What happens if I'm in an accident?

Step-by-step after an accident:

1. Check for injuries. Call 911 if anyone is hurt.
2. Move to safety if vehicles are drivable and you’re in traffic.
3. Call the police — even minor accidents should have a report on file.
4. Document the scene: photos of all vehicles, license plates, damage, surroundings, road conditions.
5. Exchange information: name, phone, address, insurance carrier, policy number, license plate.
6. Get witness contact info if anyone witnessed the accident.
7. Don’t admit fault to the other driver or in your statement — let your insurer determine fault.
8. Report to your insurer as soon as possible, even if you don’t plan to file a claim.

Your insurer will assign an adjuster, investigate, and determine fault and coverage. Keep records of medical visits, repair estimates, and any out-of-pocket expenses.