If you are involved in an automobile accident, first check to see if anyone has been hurt. If so, the first priority is getting medical aid. Try dialing “911”, the emergency telephone number through most of the U.S.A. Many people are hurt or killed by secondary accidents, so it is important to be very careful after an accident and stay off the highway.
For major accidents that involve vehicle damage or personal injury, you’ll have to trade insurance, registration and license information with the other person. Do not discuss fault. The sooner you can get a police officer to the scene to make up an accident report, the better. Once you have all the information you need, call your insurance agent.
If the other party in an accident requests that you settle the matter just between yourselves, without dealing with the insurance company, do so reluctantly. You have insurance for a reason.
No matter whose fault you think the accident was, never leave the scene of an accident you are involved in before doing all the paperwork necessary, preferably in the presence of a police officer.
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