First, do this:

• Take a deep breath and stay calm.
• Check for injuries; with you and your passengers.
• If accident is minor, move cars to a safe place, out of traffic. If it is a major collision, and you feel you can exit the vehicle, do so slowly and with caution.
• Turn on your vehicle’s hazard lights and use cones, warning triangles or flares for safety.
• Call the police, even if the accident is minor.
• If you have time, call your insurance agent immediately.

Other Important Tips

• A police officer will take a statement from all parties. It is NOT THEIR RESPONSIBILTY TO ASSIGN FAULT. Don’t argue, don’t try to convince the officer. Just report the facts. And, do not sign any document unless it’s for the police or your insurance agent.
• Make immediate notes about the accident, including specific damages to all vehicles involved, witness information, etc. If you can take photos with your phone, it’s good to show the other vehicles and the location of vehicles BEFORE they are moved.
• Photo graph other car’s license plates before they are moved – and if it safe!
• Be polite, but don’t tell anyone the accident was your fault, even if you think it was.
• State only the facts, and limit your discussion of the accident to the police and your insurance agent.
• If possible, don’t leave the accident scene before the police and other drivers do.

Questions? Contact your independent Provident Insurance agent. We serve Plainfield, Greenwood, Avon, Brownsburg, Indianapolis, Carmel, Zionsville and the entire central Indiana area. Stop in one of our convenient locations to discuss your insurance needs today.