Step 2:
Call the police
Although in some jurisdictions the police don't respond to fender benders unless there's an injury or an unmoveable car blocking a thoroughfare, it's still a good idea to phone them. It may seem unnecessary or time-consuming to do so, but they can provide a valuable resource.
The police will complete an accident report, which may include physical evidence, such as the length of any skid marks, whether each car's equipment was working properly, and details about the point of impact. They may also interview witnesses, and record details such as the time and place of the accident, license numbers and descriptions of cars, and names and addresses of the drivers and owners of each vehicle. This information may prove useful in the settlement process.
Write down the name and badge number of the investigating officer, the name of the agency he or she represents, the name of the intersection where the accident occurred, and the number of the police report. This information will make it easier if you or your insurance company must contact the police to request a copy of the report.
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