After ensuring everyone’s safety, exchange information with the other driver(s) involved, including names, contact information, insurance details, and license plate numbers. If possible, take photos of the accident scene, including vehicle damage and any relevant road signs or landmarks. Additionally, gather contact information from any witnesses.

It’s generally advisable to contact the police, especially if there are injuries, significant property damage, or if there is a dispute over fault. The police report can provide valuable documentation for insurance claims and legal proceedings.

It’s important to contact your insurance company as soon as possible after an accident, ideally within 24 hours, regardless of fault. Prompt reporting allows your insurer to begin processing your claim promptly and ensures you’re aware of any specific procedures or deadlines.

Be prepared to provide your policy number, the date, time, and location of the accident, a description of what happened, and the names and contact information of any other parties involved, including witnesses. You may also need to provide the police report number if applicable.

You have the right to refer the other driver’s insurance company to your own insurer. While you may need to provide basic information, such as your contact details and insurance information, avoid discussing the specifics of the accident or accepting any fault.

Even if you don’t plan to file a claim, it’s still important to notify your insurance company about the accident. They can provide guidance and support, and having the incident on record can be beneficial in case the situation escalates later.

Filing a claim may affect your premiums, particularly if you’re found at fault for the accident. However, the impact can vary depending on factors such as your driving history, the severity of the accident, and your insurer’s specific policies. Your insurance agent can provide more information on how filing a claim may affect your rates.