Here are some things to keep in mind in the event that you are involved in a traffic accident.
Keep on hand your insurance company's claim service card with your policy identification number
as well as a copy of the company's procedures for filing a claim.
Notify the police immediately. Get the name and badge number of the responding officer and find out how to obtain a copy of the accident report. Notify your insurance company as soon as possible. Get the name of the other driver as well as the driver's address, work and home phone numbers, type of vehicle, license plate and driver's license number, the other insurance company name and policy number. Obtain the names, addresses, and phone numbers of all passengers and witnesses.
Make notes describing the accident, the vehicles involved, their approximate speeds, the setting, the weather, traffic signs and signals, and the road conditions. Take photographs of the scene or draw diagrams of the roads and the accident. Do not make any oral or written statements as to the responsibility or blame. Do not tell others involved in the accident how much insurance you carry. Do not discuss the specifics of the accident with others involved.
Be very careful about accepting offers for payment on the spot; you could be held liable at a later date for the same damages.