What to do at the scene of a car accident

The details an insurer needs after a crash are gathered at the scene: the other drivers' details, the witnesses, the photos and the officer's report. Keep this list in the glove box with your insurance card, or on your phone.

Before you need it

• Keep your proof-of-insurance card in the carThe phone number for filing a claim is on it.
• Know your deductible and liability limits
• Check whether your policy covers towing and a rental car

Right away

• Move the car out of trafficDo this if the car can still be driven.
• Check everyone for injuries
• Call 911 if anyone is hurt
• Call the police for a hit-and-runCall them promptly if a driver who hit your car leaves the scene.

What to collect

• Get each driver's name and address
• Get each driver's insurer and its phone numberBoth are on the proof-of-insurance card in their car. If you can't get them, write down the driver's license number and license plate.
• Get the other car's make, model, year and plate
• Get the witnesses' names and contact details
• Take photos of the scene, or sketch a diagram
• Write down what happenedNote the time, the date and the exact place, with the skid marks, the weather and the road conditions.
• Give the other driver the same details about you

Before you leave

• Get the officer's name and badge number
• Ask the officer when and where to get the accident reportWrite down the report number. You'll want it for the claim.

After the scene

Call the phone number on your proof-of-insurance card to file a claim as soon as you can, and ask which forms or documents you'll need. Have the report number and everything you collected at the scene in front of you. Ask whether you can use your own repair shop. Read your policy, since it sets out which losses it covers.

Keep notes of each conversation with your agent or the adjuster, with the date and the name of the person you spoke to. Keep every letter, email and form about the claim in one file.