It’s the unimaginable. One moment you are on a drive listening to music, and a split second later, your car might be irreparably damaged and you injured. Before anything else, it might take a little bit to think clearly after the shock of the accident. Once you regain your faculties, survey the situation. Check the well-being of others with you and assess any safety concerns. The health and well-being of you and your passengers are paramount.
If possible, the most important thing you can do next is document the extent of the damage, the surroundings, and any injuries incurred. Your cell phone camera or cell phone video is the best tool available. If you have noticed witnesses to the accident, ask them for their contact information and if they’d be willing to make a statement.
The police will attempt to establish the facts of the accident, and information about the drivers’ insurance carriers is exchanged. Your auto insurer can make immediate arrangements for a tow truck and rental car, but care for injuries comes first. If someone has sustained significant injuries, EMTs have probably arrived with law enforcement.
Never sign anything from the negligent driver’s insurance company.