First, you should call the police.  Make sure you have the name of the police officer (write it on the notepad you stashed in your glove compartment) and ensure the officer documents your version of the events that took place. 

The next step always presents the question: “Should I move my car?!”  Unless the vehicle is creating the potential for another accident, do not move it or the accident debris until you are instructed to do so by the police officer.  If it is a minor accident and your vehicle poses a danger to oncoming traffic, then it is wise to move to the closest safe location.

After the police officer arrives you should exchange information with the other drivers involved.  This information includes: name, address, phone number, insurance company, policy number, driver license number and license plate number.  Remember to write on your notepad a description of how the accident occurred, the location, and a description of each vehicle.  If there are any witnesses, write down their names, addresses and phone numbers.  This is also a good time to take out your disposable camera and take pictures of the scene. 

It is very important that you promptly call your insurance company to report the accident.  You might think it is wise to handle a minor accident without the insurance company, but this can quickly backfire!  For example, the other driver could report the accident to his insurance company without your knowledge and claim injuries that weren’t evident at the accident scene.  If this happens, his insurance company could come after you to cover the costs.  You can prevent this terrible situation by promptly reporting your claim to your insurance company.