How to Report an Auto Accident That Wasn't My Fault
Automobile accidents are scary, especially when you are not at fault. The first few moments following an accident are hectic, and it is difficult to remember all the steps you need to take to avoid future hardship. Once you make sure that all persons involved are not injured and that there isn't a need to call an ambulance, you should make a few phone calls to protect yourself from a hefty insurance bill and points against your driver's license.
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Instructions
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Call the police. An officer will be sent out to investigate the accident and will interview the drivers involved and any witnesses. The officer may also write a ticket for the driver who caused the accident. Take photos of the accident scene if you have a camera or camera phone available, and contact the police department the next day to request a copy of the officer's report.
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Exchange information with the other drivers, even if you are not at fault. Write down their full name, address and auto insurance. Call your insurance company to provide them with the details of the accident. If you fail to contact them, your insurance company could refuse to honor your claim if the other driver's insurance policy has lapsed or has expired.
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Call your state's Department of Motor Vehicles (DMV). Some states require that you contact the DMV within a certain number of time after an accident. For example, Oregon requires drivers to call within 72 hours for damage over $1,500. Failing to report an accident can result in penalties, such as losing your privilege to drive.
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Follow up. Once the other driver reports the accident to his insurance company, you should receive a call from the claims department. Continue to follow up with the claims department until your car is repaired or replaced.
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