Accident Guide


What to Do:

Stop immediately as close to the location of the accident as possible, state law requires it. Make sure you are parked in a safe spot.

A.) Do Not Make Comments:

  • Do not comment on the accident.
  • Keep notes and information to yourself.
  • Never admit to wrongdoing, sign nothing, and never volunteer any information. Provide the necessary registration and insurance cards at the time for exchange of information.

B.) Assist The Officer:

Remain at the scene until the officer arrives. Cooperate by advising officers with the basic facts. No one can force you to give an opinion and any statement that you make may be used as an admission. You have the right to consult a lawyer as soon as possible. 

C.) Identify The Other Driver:

Obtain the driver's license, name, address, vehicle registration number, and driver's license and be sure to get insurance information when possible.

D.) Witnesses:

Obtain name and addresses of any and all witnesses, ask the witnesses to sign a statement concerning the accident. 

E.) Capture The Accident Information:

Start by creating an accident details report.  Capture the accident location than the date of accident.  Continue with the time of accident, your email address, policy holder's name and policy number.   If there is any additional notes that you believe might be important please sure to complete that box on our application.

Additional photos should be reserved for taking photographs of skid marks and other important distances. Be certain too that you can later point out where the vehicles collided and where they stopped, and if possible take pictures to preserve skid marks, position of the cars and other evidence that will disappear when the site is disassembled. 

What to Say & Not to Say:

A.) At the Scene:

At the scene of your car accident, be careful what you say, especially when talking to the other driver about the cause of the accident. The "who pays" decision usually depends on who was most at fault for the accident, and statements made by the drivers at the scene are often powerful evidence on this point. When a driver blurts out, "I'm sorry. I didn't see you," that's strong evidence that the speaker caused the accident. And there's a good chance that the speaker did cause the accident but a closer look at the circumstances may tell a different story. 

Maybe the other driver wasn't seen because he or she:

  • Ran through a red light
  • Didn't have the vehicle's headlights on in the evening or at night, or
  • Was driving much too fast for other drivers to react.

Under any of these circumstances (and there may be others) there may be a very good reason why Driver A "didn't see" Driver B - and meanwhile Driver B may be as much to blame (if not more so) as Driver A in causing the accident.

B.) You May Be Wrong:

As demonstrated in the examples above, the main reason you should be careful what you say at the accident scene - and should not admit that you caused the accident - is that you may be wrong. This is especially true since you are under great stress right after an accident, may be in pain, and may not be thinking clearly. So, watch what you say, and watch who you say it to - only talk to the police officer about how the accident happened. And stick to the facts.

C.) Your Statements May Be Misunderstood:

In addition to the risk that statements made at the scene could be wrong, there is also a chance that correct statements can be misunderstood or misinterpreted. Witnesses can misunderstand what you say, and later claim that you said something different. Even a simple statement like "I was paying attention" could be heard as "I wasn't paying attention." And statements can be misinterpreted. A simple "I'm sorry" can be interpreted as an admission that the speaker caused the accident, when all she meant was that she was sorry that the accident happened, no matter who caused it, or that she was simply sorry that another person had been hurt. 

If it's the right thing to do, you can always accept responsibility for causing the accident later, after you leave the scene, calm down and analyze the situation. Your actions at the accident scene are a vital component of winning your case. 

What Information to Give & Receive:

A.) If you are ever in an accident, you will need to get the following information from the other driver:

  • License Plate Number & State
  • Driver's license number
  • Insurance company policy number and name
  • Vehicle details such as make, model, and year

B.) Additionally, you will want to collect:

  • All Names and Addresses of Injured Passengers or Property Owners
  • Contact information of witnesses not involved in the accident

Finally, while you are exchanging information with the other driver, it is important that you do not admit fault for the accident. If the other driver is pressing you on this issue, let him or her know that you would prefer to let your insurance companies handle the matter.

Getting your Claim Started After an Accident:

In our application under FILE A CLAIM.  Choose Your Company and you may file a claim by calling the number listed or via the web (if available)