Car Accident Checklist

Just in case you need backup, here is a quick guide to assist you if you are in an accident or fender bender. Afterall, it can be hard to think clearly during the initial shock of a fender-bender. Print this and keep it in your glove compartment.

1. Safety first: If it is safe and appropriate to do so, move your vehicle out of the way so other cars can pass. However, do not leave the scene of the accident. Call 911 immediately for medical assistance if anyone is injured and ask for a police officer to come to take a report.
2. Stay calm: Do not panic or become upset. If you have young children with you, they will take their lead from the adult. Insurance companies advise that you should not admit fault at the scene of an accident. Be sure that you are polite and calm to everyone involved, including any police officer. Also make sure to get the officer’s name, district, and police report number.
3. Gather information: Exchange contact information with others involved in the accident. Get important details like full name, address, phone number, insurance carrier and policy number. Almost 15% of all accidents are caused by uninsured drivers so ask to see a current insurance ID card, and driver’s license. Also, be sure to write down the year, make, model and license plate number for each vehicle involved. If there are any witnesses involved, gather their contact information as well. It is a good idea to keep a small notebook in your vehicle for this reason.
4. Document the accident: Take multiple photos of the accident scene and damage to the cars involved. Also, take a [picture of the surrounding area where the accident occurred, and the licenses of the vehicles involved. If you observed the driver talking on their cell or texting before the accident, tell your claim adjuster and the police exactly what you saw.
5. Report the accident to your insurance company: No matter how minor the accident, a driver may offer to settle with you in cash to avoid increased insurance rates. But there’s no guarantee you’ll get paid directly, so let your insurer handle the details.
6. Retain the following items in your car. In the case of an accident, they will make the process smoother for all parties involved.



• Your insurance ID card
• Your vehicle’s registration card
• A list of emergency contacts (spouse, partner, parents)
• A medical card listing any allergies, medications or special conditions
• Pen and a small notebook
• Flares, jumper cables and a flashlight
• First-aid kit
• Cell phone

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