- Don’t discuss the financial limits of your auto insurance policy.
- Don’t discuss who is at fault for the car accident with anyone other than your insurance company.
- Don’t sign anything at the scene of the crash other than the police report (or your citation, if one is issued).
- Refer anyone who calls you regarding the accident to your claims adjustor.
In addition to carrying your cellphone with you, make an emergency kit for your glove box with a pen and paper for making notes and drawing out the accident scene. If you don’t already have a smartphone with a camera, add a disposable camera to photograph the scene of the accident and vehicles involved. Consider carrying a flashlight, blanket, first aid kit, jumper cables, and warning triangles or highway flares in your trunk just in case.
Generate a card that lists you and your family members’ medical conditions or allergies that may require special attention if you’re injured in an accident. Additionally, make a list of personal emergency contacts and keep it in your glove box.
If your car needs to be towed from the accident scene, remove your personal items, such as your home and office keys (leave the car keys), your garage door opener, and other valuables. Remember to find out where your vehicle is being taken.