What to do after a minor car accident

TL;DR: Stop safely, check for injuries, call police if needed, and exchange info without admitting fault.

You've just heard that crunching sound. Your heart is racing. It's okay. If you are reading this, you are likely safe enough to check your phone. Take a deep breath. Adrenaline is high right now, so follow these steps slowly and methodically.

Step-by-Step Guide

Stop and ensure safety: Turn on your hazard lights. If the cars are movable and it's minor, move to the shoulder. If you cannot move, stay inside with seatbelts on until help arrives. Check yourself and passengers for injuries.
Call emergency services if necessary: If anyone is injured, call 911 (or local emergency) immediately. Even for minor fender benders, filing a report is often required for insurance.
Exchange information silently: Get their: Name, Phone Number, Insurance Company, Policy Number, and License Plate. You do *not* need to discuss whose fault it was. Just trade data.
Document the scene: Take wide photos of the street layout, and close-ups of damage to *both* vehicles. Photograph the license plates. If there are witnesses, ask for their phone numbers.

FAQ

Should I admit fault if it was me?

No. Never admit fault at the scene. You might not know all the facts. Let the insurance companies decide based on the evidence.

What if the other driver has no insurance?

Call the police immediately. Your own 'Uninsured Motorist' coverage may need to kick in.

Do I have to call the police for a scratch?

Laws vary by state, but a police report is the gold standard for insurance claims. Without it, it's your word vs theirs.

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