Stay at the Scene
Never leave the accident scene until it’s appropriate to do so.
Call the Police
Ask that a police report be filed in situations where cops do arrive at the scene, and obtain the name and badge numbers of the responding officers. Follow up to make sure you obtain the Police report
Talk to Witnesses
Get their names, numbers, or addresses, if possible. Don’t assume the police will get this information
Take photographs of any damage to your vehicle and any other vehicles involved as soon as possible after the accident.
Get the names, numbers, addresses, drivers’ license numbers, license plate numbers, and basic insurance information from all drivers involved.
For example, if you say, “I’m so sorry I ran that red light! Is everyone okay?” you may be admitting legal liability for what happened. Immediately after an accident, it might not be clear who was at fault or more at fault. Moreover, in many states, fault isn’t determination of which insurer will pay for any loss. Therefore, try not to admit guilt unintentionally or unnecessarily.
Notify Your Insurance Company
Promptly tell your insurance company you’ve been in an accident. Cooperate with them and tell them the truth about what happened and the extent of your injuries. Explain the facts clearly. Make sure to make a claim underinsured/ uninsured coverage through your policy, even if the other car is insured. Failure to make this claim in a timely manner may result in your carrier disclaiming underinsure/uninsured coverage.
Keep Track of Your Injuries
Keep a record of how your injuries have impacted your daily life. Include any missed workdays, list any routine activities you can’t undertake, and describe how the injuries have affected your family life.
Use Caution in Discussing the Incident
Don’t talk to anyone about the accident other than your lawyer, your insurance company, and the police. Do NOT post on social media about how the accident occurred or your injuries or any events that you may be at while your are supposed to b injured.
Be Wary of Early Settlement Offers
Be careful if you’re offered a settlement from an insurance company. Confirm all your physical injuries are known and have been treated. Some injuries don’t show up or reach their greatest level of discomfort until many days, weeks, or months later. Don’t settle a claim until you know you’ll be compensated for all your injuries. Insurance companies will take advantage and will gladly pay you less than what your injuries warrant.