What should I do if I'm in an Auto Accident?

         Stay calm.  Stop to protect your passengers and car.  Call an ambulance for any injured party, if required.  Set flares if you carry them, and do not leave the scene of the accident.

         Exchange Documents.  Don't discuss the accident with anyone of blame anyone, including you.  Exchange only your license, registration and motor vehicle identification card.

         Driver Facts.  Take down the name, address, operator's license number, date of birth, sex, state of license, and the phone number of the other driver.

         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.

         Injured Parties.  Seek information from police for all injured parties involved including passengers.  Take down the names, addresses, and dates of birth, sex, and extent of injuries.

         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 are not witnesses.

         Damages.  Note the make, body type, year, and license number of the other vehicle.  Also, make a note of the damage to the other vehicle.

         Draw a Diagram.  Make a note below the diagram of the date and time of the accident.  Write down the location including the street, intersection, or any landmarks.

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