It’s not all that uncommon to get in fender benders. Ideally, you have car insurance. Car insurance makes getting into minor accidents much less of a big deal
If you find yourself in your first car accident, you may get stressed and do the wrong thing, or forget to gather information. You should know what to do in an accident before you get into an accident.
First, so long as no one is hurt, move the cars out of the road. This is very important especially if the accident happened in an intersection.
If you leave your cars in the intersection, you may actually cause more accidents or even injuries. Make sure to turn on your car’s hazard lights before you move the vehicle, though, to warn other drivers.
Be sure to call the police next. Now, the police may or may not come to the scene - in some areas, unless there are injuries police are not dispatched. Still, you do need to call the accident in. Ideally you will get a police accident report, because this will make it much easier to deal with insurance companies.
Here is the most vital step to remember: you must exchange information with the other driver. Each of you needs the other party’s name, phone number, insurance carrier, policy number driver’s license number, and license plate number. It is also a good idea to get some details on the other vehicle, such as make, model, year and color.
While you are exchanging information don’t make small talk. It’s too easy to say the wrong thing. Don’t apologize for anything or admit fault in any way. Let the police determine who is at fault.
Take pictures if you can. Some people keep a disposable camera in their glove box for this reason. Many people now have camera phones, and the camera on a cell phone works just fine for this purpose as well. Take pictures of both vehicles, details of damage, and also shots of where the cars are in relation to one another if possible. As soon as you leave the scene, call your auto insurance company and report the accident.
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