If a motor vehicle accident occurs, you must acquire all the necessary information. It's a good idea to keep a checklist of phone numbers to call and questions to ask with your insurance papers in a safe place inside the car.
Call the police and if anyone is injured, them medical assistance will be necessary. If anyone involved in the accident appears to be under the influence of alcohol or controlled substances, let the police know when you call. Many insurance companies won't cover an accident without a police accident report.
In addition to a police report, you will need to give your insurance company full names, addresses and phone numbers of everyone involved. This includes drivers, passengers, pedestrians involved, and witnesses. Find out if anyone is injured or says they were injured, or if anyone said anything like "I am fine."
Make as many notes as you can about the accident, and get information about other vehicles involved, including license number, make and model. Make note of lighting and weather conditions, damage to vehicles involved, any noticeable damage to any vehicles prior to the accident, such as a missing brake light, and whether companies or individuals own the vehicles.
Make sure you find out the insurance status of all the vehicles and people who were involved in the accident. If drivers were not the owners of the vehicles, you must get the registered owners' names, addresses and phone numbers.
Be sure you make note of the names and badge numbers of the police officers that arrive at the scene. Consider contacting a personal injury attorney as soon as possible. The attorney may want to examine the evidence at the site and gather information. Don't assume you're not injured, and see a doctor even if you think you're all right.
Get in touch with your insurance company as soon as possible. If you believe your company won't be willing to cover the accident, consider contacting an auto accident law attorney first. Most insurance companies require you to contact them within time limits in case of an accident, and if you fail to do so your claim may be rejected.