The shock you feel after an accident can make it difficult to think clearly, but it is important to act immediately. Try to remember and document as much as you can – as soon as you can. When you file a claim, your insurance company will generally ask you for the police report and your version of events. Good records will make the process easier for you.
Prepare yourself as well as you can. Keep a printed out copy of the “Accident Information Checklist” in your glove compartment, and store an “accident kit” in your vehicle. Keep a pen or pencil along with an accident report form (generally available through your insurer or your local or State Police). Include a camera-disposable cameras are generally inexpensive and compact-as photographs can be a helpful record of the accident scene. A tape measure may also be useful to help you document important distances. For safety, consider carrying emergency flares and reflective triangles to warn oncoming traffic.
While all of these tips are helpful, the most important thing you can do to protect yourself and your family from an accident is drive safely!