Getting help

Getting emergency service professionals, such as the police, involved immediately can create the documentation you need to get your car and your life back to normal as soon as possible. 

The National Safety Council reports that one in eight licensed drivers is involved in a motor vehicle accident each year. The Independent Insurance Agents of America offer you this brochure with advice on what you can do at the scene of an accident to help you walk away with the information you’ll need later. Keep a copy in your glove compartment in case you, or the driver in back of you, turn out to be the eighth driver.

First things first

Don’t leave the scene of an accident until you are advised by a police officer to do so (Regardless of your part in the accident, you could be ticketed for leaving the scene) 

Check for injuries to yourself, your passengers, and occupants of the other vehicles

Call the police

Stuber Insurance Agency 115 Mill Street (Route 46) Post Office Box 444 Hackettstown, NJ 07840 Voice: 908 852-4444 Fax: 908 852-1808 This article is reproduced, with permission, from Trusted ChoiceSM, Inc. All rights reserved. No portion of this article may be reproduced in any manner without the prior written consent of Trusted ChoiceSM, Inc.

Police emergency services will ask you: 

• Your exact location 
• If there are any injuries  
• If there are any disabled vehicles
• If the accident is blocking traffic 

Warn approaching motorists by: 

• Turning on your vehicle’s flashers if operable  
• Setting up flares or other reflective devices, starting 50 feet behind your vehicle  (Don’t use flares near leaking auto fluids) 
• Tying something white or light colored to the antenna of your vehicle o Raising the hood of your vehicle 

Use common sense; Move your vehicle to the side of the road if it’s creating a hazard

Don’t get out of your vehicle if the area you’re in appears unsafe

Interacting with other drivers

Remain calm and courteous 

Don’t accept fault for the accident

Let police officers determine liability

Have your license, registration and insurance card available 

Don’t accept monetary compensation at the accident scene

Don’t discuss the specifics of the accident with anyone except a police officer or your insurance agent

At the scene

It’s important to take the time at the accident scene to exchange information with the other drivers.  Print and fill in as many of the blanks on the After An Accident Form as you can for each vehicle involved (other than your own). Keep copies in your car(s).

1. Contact and Insurance Information
       Name:
       Address:
       Home telephone:
       Work telephone:
       Cell Phone:
       Driver’s license number/State:
       Insurance company name:
       Policy number:
2. Vehicle Information
       Make:
       Model:
       Year:
       License plate number/state:
3. General Observations
       Number of passengers in vehicles involved:
       Approximate condition of passengers:
       Approximate condition of vehicles involved:
       Time of day:
       Weather:
       Road conditions:
       Any other contributing conditions:
    
4. Police Officer Information
       Name of law enforcement agency:
       Name(s) of officer(s) on the scene:
       Case number (if assigned at the scene):
    
5. Witness Information
        Name: 
       Address:
       Home telephone:
       Work telephone:
    
6. Injuries or Property Damage 
       Name:
       Address:
       Home telephone:
       Work telephone:
       Nature of injury or property damage:
    
7. After the accident - Record your recollections in words and pictures
     
   1. Write a quick description of the accident, including diagrams, as soon after the accident as you can.  Even the best memory can fade or be influenced by other viewpoints over time
   2. Draw the position of all vehicles before and after the accident
   3. Include as much detail as you can such as location of signs, intersections, and other landmarks
       
8. Notify Your Independent Insurance Agent
    
       As soon as you have taken care of everything at the scene of the accident,
       notify your insurance agent. Most agents will accept first notification of an
       accident on their voice mail after hours.
    
9. Keep copies of all documentation relating to the accident