Get covered in minutes!



Home > Blog > You got into an accident: 9 tips on what to do and not do

Driver who has had an accident taking a photo with the cell phone of the car in bad condition.

You got into an accident: 9 tips on what to do and not do

 As you pull up to a STOP sign you skid on a piece of black ice. Your car crashes into the car in front of you. Or maybe you don’t see another car coming as you back out of a parking spot at the Mall. That shake and sound of two cars colliding is the last thing you want to hear.

Bottom line, though, car accidents happen. In fact, there are nearly 6 million of them in the U.S. each year, according to the National Highway Traffic Safety Administration.

When it happens three thoughts usually take over: Is everyone ok? Is my car ok? Are my rates about to go up?

As long as everyone is ok not much else matters. In most cases, your car will be fine after a trip to the auto body shop. And, sure, repairing a car can be costly but with the right insurance coverage, it can be manageable.  Make sure you’ve had your policy checked by an insurance agent and discussed exactly what coverage and how much coverage you should have for your lifestyle.

So what do you do if it happens? And what don’t you do?


  • Be safe. If you are on a highway or in the middle of the street pull off the road if possible or find a safe spot to exchange information with the other driver.
  • Notify the police and/or fire departments
  • Share any photos you take of the damage to your car or the other car with your insurer.
  • Provide your license, registration and insurance information with the other driver.  Only provide additional information if the police ask for it. Your insurance company will take it from there. That’s what we do.
  • Obtain as much information from the other party as possible (ie name, address, phone number, registration number and insurance carrier.)


  • Panic. Try to stay calm and address the steps outlined above.
  • Assume it’s nothing and just drive off. Sometimes the damage can be hidden. Always exchange information and check out the car to make sure it’s ok.
  • Admit fault. Let the police and insurance company investigate the fault of your accident.
  • Wait to file a claim. As soon as you can, contact your insurance company and inform them of the accident. Delaying the process doesn’t help anyone.

So, be smart, drive safe and check out our Accident Checklist for more information.


Halloween Safety Tips

Halloween Safety Tips

Halloween is a fun and exciting time for both children and adults alike! The holiday is typically spent trick-or-treating, carving jack-o-lanterns, and attending parties. But according to the National Highway Traffic Safety Administration (NHTSA), Halloween can be a...

read more
Massachusetts RMV to Make Inspection Sticker Changes

Massachusetts RMV to Make Inspection Sticker Changes

The Massachusetts Registry of Motor Vehicles will soon change how it handles late vehicle inspection stickers. The change means that beginning November 1, 2022, vehicles that pass inspection will get a new sticker with the month the last sticker expired, according to...

read more
Does My Car Insurance Cover Other Drivers?

Does My Car Insurance Cover Other Drivers?

It's nice to be able to help out a family member or friend by letting them borrow your car if they need it. However, it pays to know what your insurance policy covers just in case that person gets into a collision in your vehicle. If they aren't covered, you could be...

read more