The following was published in the Indianapolis Star on December 12, 2002, and gives good advice:

In case of an accident, the Indianapolis Better Business Bureau suggests:
• Have your license, registration and insurance policy on hand to help prevent confusion in the middle of an accident scene.
• If anyone is injured, first call for medical help. Do not leave until the police arrive. Note the reporting officer's name and badge number and ask how to get a copy of the official accident report.
• Get the other driver's name, address, phone number, driver's license number, insurance company name and address and policy number. Write down witnesses' names and phone numbers.
• Don't accept blame for the accident or make other statements that could be used against you. Offering to pay for damage on the spot can be a mistake. You won't have proof you actually paid for the damages, and the driver could sue you later. It's best to go through proper channels.
• Write down these details while the events are fresh in your mind: the date and location of the accident, the weather conditions, traffic signs or signals and anything else you think is relevant. If a camera is available, take photos.
• Phone your insurance company as soon as possible, regardless of who is at fault.
• Keep a record of all expenses you incur. Read your policy and talk to your agent to see if they are reimbursable. Keep a complete file of all paperwork relating to the claim.
• If you cannot find a reliable repair shop willing to fix your car for the amount your insurance company has agreed to pay, notify the company and ask for a higher settlement. Do not accept an inadequate settlement or sign away your rights to additional claims.


It is also best to contact an attorney as soon as you can. If the accident is your fault, you will need advice on how best to protect yourself. Keep in mind that, even if you are at fault, you still need to determine the right amount to pay the other driver. If you are not at fault, do not expect your insurance company to help you collect money from the driver at fault. It is also important to know that you are entitled to money, not just for your medical bills, but for your pain and suffering as well.

Most lawyers, including Greg Bowes, will discuss your case for free to determine whether you need an attorney to help.