FAQ | ACCIDENT CHECKLIST

What To Do In Case of an Accident

One in eight is pretty high! According to the National Safety Council, one in every eight drivers will be involved in a motor vehicle accident this year. That may mean you! Are you prepared? Would you know what to do and what questions to ask?

Here is a list of 11 easy steps to remember, as compiled by the National Safety Council:

Stop your vehicle if it is clear, safe and legal.
Move the vehicle out of the traveled roadway, if it is clear, safe and legal. (In some states it is against the law to move the vehicle from the place where the accident occurred. Check the ordinance in your area.)
Turn off the ignitions of the cars involved.
Make a first aid check of all persons involved in the accident.
Call the police and, if necessary, emergency medical services.
Mark the scene of the accident with flares or retro-reflective triangles.
Gather the names* of all persons in the motor vehicles and people who witnessed the accident.
Make a quick diagram of where the vehicle occupants were seated and indicate the vehicles' direction of travel and lane. Also note the date, time and weather conditions.
Ask to see the other driver's license* and write down the number.
Exchange insurance company information. DO NOT discuss "fault" or make statements about the accident to anyone but the police.
Get a copy of the police report of the accident from the local precinct.

In case you are in an accident, follow this helpful list:

• Stop your vehicle. If your vehicle is operable, make sure your way is clear and safe and park as close to the scene as possible without obstructing traffic.

• Turn off your ignition.

• Check for injuries. Call for medical assistance if necessary and don't move an injured person unless you have medical or emergency training.

• Call the police. Or ask others to summon an officer. The police will be able to record an official report of the accident, which is very helpful in protecting all parties involved. In addition, they are trained for such incidents and can help you through the process.

• Mark/protect the scene. If you have cones, flares or reflective traffic devices and can safely position them, do so to warn oncoming traffic and protect yourself and others involved in the accident.

You can print out and use the Accident Report Form to help in the following steps:

• Record other driver's name, address and any identification number (driver's license, registration, license plate).

• Gather names and addresses of all persons in the vehicles and people who may have witnessed the accident. Having the name of the officer can be helpful as well.

• Make a quick diagram noting location of vehicle occupants, direction of vehicles and lane information. You can draw on the reverse side of your Accident Report Form.

• It is best to speak only with the police. Do not discuss fault or specifics of the accident with anyone else. Remember though, an accident is stressful for everyone involved - being tactful and courteous can help.

• Find out where to get a copy of the police report. This is usually the local precinct where the accident took place.

• Inspect your own car for roadworthiness. If you are not sure, ask the police officer and arrange for towing if necessary.