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1. Check for Injuries and Call 911 if Needed

Your safety and the safety of others always comes first.
Before doing anything else, check yourself, your passengers, and anyone involved for injuries. When in doubt, call 911 so first responders can assess the situation.

2. Move to a Safe Location

If the vehicles are drivable, carefully pull off the road.
Moving to the shoulder—or a nearby parking lot—helps prevent additional hazards and reduces the chance of another collision.

3. Document the Scene

Accurate documentation is essential for a smooth claims process.
Take clear photos of vehicle damage, the surrounding roadway, skid marks, traffic signs, and anything else relevant. Exchange names, contact details, and insurance information with the other driver, but avoid admitting fault or making assumptions about what happened.

4. Contact Your Insurance Agent or Carrier

Once everyone is safe and the scene is documented, notify your insurance provider.
Your agent or carrier will guide you through the next steps, explain what information they need, and begin the claims process.

5. Follow Up on Repairs

After your claim is filed, your claims representative can recommend trusted repair shops and help you understand the repair timeline.
Staying in communication ensures the process stays on track and that you’re aware of any updates or changes.

Staying Calm Makes All the Difference

Accidents are stressful—but following these steps helps keep the situation under control and ensures your coverage works exactly the way it’s meant to. If you ever have questions about filing a claim or reviewing your auto policy, your insurance team is here to help.