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Not losing your head can be important as there might be people who are injured and require your assistance. If the car is still operational, drive it out of traffic flow. Turn off your engine and turn on your hazard lights.

Check if you are injured. If you have passengers, check to see if they are injured. Check to see if any other parties involved in the accident are injured. If anyone is seriously injured, call an ambulance immediately.

Even if no one was seriously injured, the police should still be notified if only to take a report and act as an officiating witness. They will also want to know about the accident, in case the flow of traffic might be impeded. This is also for legal purposes; or it will simply become your word against other driver's in the case of a dispute of fault.

This is why it's always important to keep your insurance information on you when you drive. It is important to exchange information with all other parties involved in the accident. Basic contact information includes name, address, phone number, license plate number, driver's license number, and insurance company and policy number. If you are a victim, you should still exchange information with other victims.

Wait until the police have come and taken a statement.

After you have collected everyone else's insurance information, be sure to call your own insurance company to let them know what has happened. Relate the accident in as much detail as possible. Do not worry about higher rates. State laws generally protect victims from higher insurance rates unless they are actually at fault. Even if the responsibility was questionable, it should still be reported to your insurance company.

Document the accident scene with pictures if you have a camera.

Some injuries such as whiplash may not be felt right away. Be sure to go to a doctor to get an assessment as soon as possible.

This may not be necessary, but it's always best to have professional legal advice on hand. If someone is upset or highly agitated and aggressive after an accident, do your best to stay out of harm's way. Do not get into a finger pointing match, which can easily escalate into something more serious. Do not blame anyone, including yourself, when the police come to take a statement. Get a professional opinion before signing any sort of papers or settlement claims, even if they are from your own insurance company. Do not sign anything if you are not satisfied with a repair job. You should not leave any doubts in your mind about what sort of coverage you possess. If you have questions, keep calling your insurance agent until you get clear, explicit answer explaining how you are protected.

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