The short answer
Steps: (1) safety and 911 if injury, (2) photos of all vehicles, plates, license, insurance card, scene, (3) police report — required in most states over $1,000 damage, (4) notify your insurer within 24 hours, (5) don't admit fault or discuss beyond facts, (6) get independent estimates if disputing the insurer's shop, (7) request a rental if you have coverage.
Frequently asked
- Should I file against my own or the other driver's insurance?
- If not at fault and their carrier accepts liability quickly, theirs. Otherwise file with yours and let subrogation handle it.
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