Take a few deep breaths and try to calm your nerves before you proceed. Make sure everyone is safe. Then, if possible, turn on your hazard lights and move out of traffic.
Call the local authorities.
If someone is hurt, call 911 immediately. If no one is injured, call the local police department’s non-emergency phone number. They can help clean up the accident, facilitate the exchange of information between you and any others involved and help set up a tow for your car.
If other vehicles were involved in the accident, collect their contact, license and insurance information before anyone leaves the scene. If you feel unsafe doing so, wait for the police to arrive. Do not discuss fault or your insurance coverage.
Take photos of the license plates of all involved, any damage to all vehicles, street names, road conditions, other property damage and any injuries if possible. Get the names and badge numbers of all police at the scene.
Open a claim.
Once everyone is safe, information has been exchanged, you’ve been released from the scene by authorities and you have taken photos of everything, you should file a claim with us as soon as possible.