WHAT TO DO

1. Step One:  Keep calm, stop to protect your passengers and car.  Call ambulance for injured party, if required.  Set flares if you carry them, and do not leave scene of accident.

2. Exchange Documents:  Don’t discuss the accident with anyone or blame anyone, including yourself.  Exchange only license, registration, and motor vehicle identification card.

3. Facts to Give:  Give only your name, address, license number, license plate number, name of registered owner of the car and your insurance company.  Show your driver’s license to the other party.

4. Facts to Get:  Take down the name, address, operators license number, date of birth, sex, state of license and the phone number of the other driver.  (Space provided for this information on inside card.)

5. Ownership Facts:  Write down the name, address and the insurance company of the owner of the other car involved.  The driver may not be the owner of the car.  (Space provided for this information on inside card.)

6. Injured Parties:  Seek information from police for all injured parties involved, including passengers.  Take down the names, addresses, dates of birth, sex, and extent of injury.  (Space provided below for this information.)

7.Witnesses:  Be sure to write down the names, addresses, and phone numbers of any people who saw the accident but weren’t involved in it.  Passengers in accident aren’t witnesses.  (Space provided below for this information.)

8. Damage:  Note the make, body type, year and license number of the other vehicle.  Also make note of the damage to the other vehicle.  (Space provided below for this information.)

9. Draw Diagram:  Note below the date and time of the accident.  Write down the location (street intersection or landmark).  Use the accident diagram above.

10. Report Accident:  Report accident to your broker or agent immediately.  If the accident involves death or injury, report it without delay to the police department.  Obtain a copy of their report within 24 hours.