A simple, step-by-step guide to help you stay safe and organized.
Step 1 of 8
Staying calm helps you think clearly and respond effectively in the moments that matter most.
If it is safe to do so, move your vehicle to the side of the road or a nearby parking area.
Stay visible to other drivers by activating your hazard lights immediately.
Move yourself and passengers away from the road and out of harm’s way.
Step 2 of 8
Before anything else, take a moment to check on everyone involved.
When in doubt, call 911. Your safety always comes first.
Step 3 of 8
Always call 911 if there are injuries, blocked traffic, or unsafe conditions at the scene. Especially when the other party is at fault.
A police report creates an official record of the incident, an important document for any follow-up.
Write down the responding officer’s name and badge number for your records.
Step 4 of 8
Gathering the right details at the scene makes everything easier later. Here’s what to collect:
Full name, phone number, and home address
Company name, policy number, and agent contact information
Make, model, year, license plate number, and VIN
Names and contact information of any witnesses, if available
Step 5 of 8
Documentation is one of the most valuable things you can do at the scene. The more detail, the better.
Step 6 of 8
Avoid saying “I’m sorry” or accepting blame at the scene, even casually. These statements can be misinterpreted later.
Describe only what happened factually. Let trained investigators determine the full picture of what occurred.
Do not discuss fault, liability, or coverage with the other party at the scene.
Step 7 of 8
Reach out to your insurance carrier or agent as soon as possible after the accident.
You don’t have to navigate this alone. Your agent is your advocate.
Step 8 of 8
Keep your police report, repair estimates, and any medical bills in one safe place.
Keep a running log of every communication — the date and time, who you spoke with, and what was discussed.
If we are not your agent already, we cannot help you during an accident. Don’t wait for an accident to wish you had a trusted agent. With JNZ Insurance Services, you gain peace of mind knowing you’re protected by a team that cares. Click this link to get a free coverage review today and switch your auto insurance to JNZ Insurance Services.
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Screenshot or download this image to have in your phone anytime an accident happens. It’s a quick reference guide you can access instantly when you need it most:
This presentation is general information only and does not constitute legal advice. Always follow all applicable laws and rely on your policy terms and your carrier for claims decisions.
