A collision can be stressful, but a clear sequence of steps can help protect your safety and support an accurate insurance claim. Local reporting requirements differ, so follow the law where the accident occurred.
## Put safety first
Move to a safe place if possible and check whether anyone is injured. Contact emergency services when needed. Do not leave the scene where the law requires you to remain, and avoid putting yourself in traffic to collect information.
## Exchange information
Where safe and lawful, exchange names, contact details, vehicle registration information, and insurance details with the other driver. Gather contact information from witnesses if they are willing to provide it. Avoid arguing about fault or making promises about payment at the scene.
## Document the incident
Take photographs of vehicle positions, damage, road conditions, and relevant signs when safe. Record the time, location, and a factual description of what happened. Keep copies of any official report or reference number.
## Notify your insurer
Report the accident within the timeframe required by your policy. Provide accurate information and ask what documents are needed. The insurer may arrange an inspection, request estimates, or explain the approved repair process.
## Keep records
Save receipts, estimates, correspondence, and claim reference details. Before authorizing repairs, confirm how the insurer handles payment and whether any deductible applies. Do not sign documents you do not understand.
If anyone is injured or liability is disputed, consider getting appropriate professional advice. This guide is general information; emergency instructions, reporting duties, and claim procedures vary by location.