• Check yourself and passengers for injuries.
• Move to a safe location if possible and turn on hazard lights.

2. Call 911

• Contact emergency services for accidents involving injuries, significant damage, or traffic hazards.
• A police report is critical for insurance claims and legal protection.

3. Do Not Leave the Scene

• Leaving, even in minor accidents, may be illegal.

4. Document the Scene

• Take photos and videos of damage, surroundings, road conditions, and all vehicles involved.
• Collect names and contact info for witnesses.

5. Exchange Information

Gather from all involved drivers:

• Name and contact info
• Insurance company and policy number
• Driver’s license number
• License plate and vehicle details

6. Notify the Police if Required or Recommended

• Some states legally require a report for injury or significant damage.
• If police do not respond, follow local procedures to file a report yourself.

7. Notify Your Insurance Company Immediately

• Report the loss to your agent or insurer as soon as possible.
• Hit-and-run, theft, or vandalism must be reported to police promptly or claims may be denied.

8. Protect the Vehicle From Further Damage

• Cover broken windows, move vehicle from roadway, or arrange towing if needed.
• Failure to prevent additional damage may cause the insurer to deny that portion of the claim.

9. Show the Vehicle to the Insurer Before Repairs

• Do not begin repairs until the company inspects the vehicle unless directed otherwise.

10. Cooperate Fully With the Insurance Investigation

• Provide statements, required documents, and access to the vehicle.
• Some policies require a sworn proof of loss within a specific timeframe (e.g., 91 days in Illinois).

11. Keep All Related Records

• Medical bills, repair estimates, towing invoices, and communication logs are essential.
  (Supported by general claims process documentation above.)