Ensure safety, call police for a report, document everything with photos, exchange info, and notify your insurer — but be careful not to admit fault at the scene. The police report and photos matter later.
What you do in the first hour after a car accident shapes any claim or dispute. Get to safety and check for injuries first. Call the police so there’s an official report — it’s critical evidence. Photograph everything: damage, positions, license plates, the scene, and any injuries. Exchange insurance and contact info, but avoid admitting fault or apologizing in a way that could be used against you — fault is determined later based on evidence. Then notify your insurer promptly. Careful documentation protects you if the other party’s story changes.
No — avoid admitting fault or over-apologizing at the scene. Fault is determined later from evidence; early admissions can be used against you.
It’s strongly advisable — an official report is key evidence for insurance and any dispute, especially if the other party later changes their account.
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