What are my responsibilities if I am involved in an auto accident?

If you’re involved in an auto accident, there are several important responsibilities you need to follow to ensure the situation is handled properly. Here’s a general outline of what you should do:

1. Ensure Safety

• Stop: Never leave the scene of the accident, even if it’s a minor fender bender. Leaving the scene could result in criminal charges.
• Move to a Safe Location: If it’s safe to do so, move your vehicle to the side of the road to avoid blocking traffic or creating further danger. If you can’t move your vehicle, turn on your hazard lights.

2. Check for Injuries

• Check Yourself and Others: Check if you or others involved in the accident are injured. If there are injuries, call 911 immediately.
• Avoid Moving Injured Individuals: If someone is injured, don’t move them unless there’s immediate danger (e.g., from a fire).

3. Call the Police

• In many areas, you’re legally required to call the police for accidents involving injuries, significant property damage, or a hit-and-run. Even if it’s a minor accident, having a police report can help with insurance claims and legal matters.
• Be sure to get the incident number and the name of the officer handling the case.

4. Exchange Information

• With the Other Driver(s): Exchange names, addresses, phone numbers, driver’s license numbers, license plate numbers, and insurance information (company name and policy number). If the other driver doesn’t have insurance, note this and report it.
• Witnesses: If there are any witnesses, get their contact information as well.

5. Document the Scene

• Take Photos: Capture photos of the accident scene, vehicle damages, and any relevant road conditions or traffic signals.
• Make Notes: Write down important details such as the time of day, weather conditions, location, and anything that could help in case of a dispute.

6. Avoid Admitting Fault

• Do Not Apologize or Admit Fault: Even if you think you were at fault, avoid saying anything that could be interpreted as admitting liability. The situation should be assessed by the police and insurance companies.

7. Notify Your Insurance Company

• Contact your insurance provider as soon as possible after the accident. Provide them with the details of the accident and any relevant documentation.
• Cooperate with your insurer’s investigation, but avoid making statements about liability or discussing the accident with the other party’s insurance directly without your insurer’s guidance.

8. Seek Medical Attention

• Even if you don’t feel injured immediately, it’s a good idea to see a doctor. Some injuries, like whiplash or concussions, might not be apparent right away.

9. Follow Legal Requirements

• Depending on your location, you may need to file a report with the local Department of Motor Vehicles (DMV) if the accident results in significant property damage or injuries.

10. Consult a Lawyer (If Necessary)

• If there are serious injuries or disputes over who is at fault, it might be worth consulting with an attorney to protect your rights.

Being involved in an accident can be stressful, but staying calm and following these steps can help ensure you meet your legal and insurance responsibilities effectively.