What to Do and What Not to Do If You’re in a Car Collision

Car accidents, even minor ones, can be stressful and confusing. Knowing what steps to take (and avoid) can protect your rights, reduce your liability, and help get things back on track quickly. Here’s a simple guide to follow if you’re ever involved in a collision.

What to Do

1. Stop Immediately
   No matter how minor the collision, always stop your vehicle. Failing to do so is against the law and can lead to fines or criminal charges.
2. Check for Injuries
   Ensure everyone involved is safe. If someone is hurt, call emergency services immediately. Do not attempt to move seriously injured individuals unless there’s an immediate danger (like fire or oncoming traffic).
3. Call the Police (if required)
   You must contact the police if there are injuries or significant damage. In many areas, a police report is also required for insurance claims.
4. Exchange Information
   Gather and share the following with the other driver(s):

• Full names and addresses
• Driver’s license numbers
• License plate numbers
• Vehicle registration info
• Insurance provider and policy numbers

Tip: Keep a printed accident report form in your glove box. Many insurers offer downloadable versions online.

5. Document the Scene
   Take clear photos of the damage, license plates, road conditions, and any other relevant details. These can be invaluable during the claims process.
6. Contact Your Insurance Provider
   Report the accident as soon as possible. Your insurer will guide you through the next steps, including repairs and liability assessments.

What Not to Do

• Don’t leave the scene
  Leaving, even if the accident seems minor, can be considered a hit-and-run.
• Don’t accept or offer cash
  The full extent of the damage may not be visible at first. Accepting money on the spot could leave you covering hidden repair costs later.
• Don’t admit fault
  Stick to the facts. Let the police and your insurer determine responsibility.
• Don’t overshare personal info
  Only provide information necessary for the claim—never give out your Social Security number or bank details.

What If You Hit an Animal?

Collisions with domestic or wild animals may require notifying local authorities or animal control. Check the laws in your region and always report the incident to your insurance provider.

Preparedness is key. By staying calm, following the proper steps, and protecting your information, you’ll be better equipped to handle an accident safely and responsibly.