After an Auto Accident: First Steps

Put safety first

Check for injuries and contact emergency services if needed. Move to a safer location only when it is safe and appropriate to do so.

Record the basic details

Exchange contact and insurance information. If it is safe, make notes and take photographs of the vehicles and scene. Follow the instructions of emergency responders.

Contact your insurer

Report the incident promptly using the claims number on your policy documents. Your insurer can explain its process and the information it needs.

Keep a record

Save your claim reference, the names of people you speak with and related documents. Before arranging repairs, ask your insurer about the applicable process.

Ask questions

Discuss your deductible, rental options and next steps with the claims team. What applies depends on your policy and the circumstances.