WHAT TO DO AFTER A MOTOR VEHICLE ACCIDENT
1. If you are seriously injured, stay in your vehicle if safe to do so, until Emergency personnel arrives.
2. Exchange information with the other driver including name, address, phone number, insurance information, license number of the driver, as well as the vehicle tag and vehicle description or make sure the police provide you with the information and the police accident report number.
3. Go to the Emergency Room of your local hospital, by ambulance if required, otherwise see a doctor immediately, even for "minor" injuries as you may feel worse the next day or two.
4. Report the accident to your own insurance agent or company.
5. Do NOT give a recorded statement you the other insurance company that insures the negligent driver. The adjuster will call you and ask for a recorded statement.
6. Contact an attorney who specializes in personal injury, who can document and investigate the claim while it is fresh, and who can provide advice about the best medical care and treatment.
Generally, the liabiilty insurance company, if it admits fault, will ask you to bring the vehicle, if driveable, to a repair shop, and allow you a rental car while the vehicle is being inspected and repaired. Otherwise, you can have your own insurance company repair the vehicle minus your deductible and once the liability insurance company agrees to fault, you will receive back your deductible. You may or may not have rental insurance depending on your insurance policy.
