Steps to Exchanging Insurance Information After an Accident

Bang!  Crash!  Oh no, you’ve had an accident.  Whether it is your fault or the other driver’s fault, you will need to exchange insurance information.  You can call a police officer and have a report filed.  The officer will collect and distribute the necessary information for both parties.  If you’d rather exchange the information yourself, it is important to know the correct process to do so.

1. Move the vehicles out of the flow of traffic.  This will prevent additional accidents.


2. Find your driver’s license and proof of insurance card. Your insurance card, pen, paper and disposable camera should always be stored in the vehicle’s glove compartment.


3. Remain calm and get out of your vehicle.


4. Introduce yourself to the other driver.  Do not apologize or agree to pay for any damages, even if you are at fault.


5. Ask the driver for his or her insurance information.


6. Write down the driver’s name, policy number, insurance company and the insurance company’s number to file a claim.  You may also want to make notes about the type of vehicles involved in the accident, where the accident took place and the approximate time of day.


7. Offer your insurance information to the other driver.  Even if you are not at fault, the other driver will need this information to report a claim.


8. Take photos of both cars and the accident scene. These will help with the insurance claim and if any parties are sued.


9. Call the police if the driver refuses to give you any information.  Write down the license plate, make and model of the car.


10. Drive to your destination or call a tow truck if your vehicle is not driveable.


11. File a claim by contacting your insurance company immediately and then the insurance company of the other driver.