Are there some standard practices for dealing with auto accidents?
As Sean Shaw, the state's insurance consumer advocate, noted in his regular address on consumer issues that since "just about everyone can agree that accidents happen," it's good to know protocol for responding to such an emergency.
• Report the accident to the police, and obtain a copy of the police report regardless of the circumstances or severity of an accident.
• Collect information of the other drivers who were involved in the accident (including their names, addresses, and phone numbers) as well as contact information of any passengers and witnesses.
• Write down the make, model, and license plate numbers of the other vehicles. And take photographs at the scene, if possible. And ask to see the other driver's insurance card to obtain the name of their insurance company and the policy number.
• Notify your insurance agent as soon as possible, whether or not you believe you are at fault.