Car accidents are always unnerving and happen unexpectedly.  An accident leaves motorists feeling shocked and stunned, and often, they don’t know what to do next.  Here are some important steps to take in this situation.

First, make sure everyone is OK, and if not place a 911 call.  Also, always contact the police and then place a call to your road service program.

Next, call your insurance agent.  They can inform you about what information to exchange with the other motorist, and help you survey the scene.  Be aware that you shouldn’t admit fault at the scene of the accident, the insurance companies will determine this.

Also, make sure to read the information in your insurance policy, so you file your claim within the specified time limit.  Often, if the vehicle damage exceeds $750 you need to file a SR1 form, which can be found on the DMV website of the state that you live in.

It is always scary to be involved in a vehicle accident, but unfortunately it happens to all of us at one point or another.  It is essential to know what to do in this instance.  To alleviate stress, have all important documents ready, such as your insurance policy and auto warranty.