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STEP 1: Verify that everyone is safe. Check for injuries, when in doubt, please dial 911.
STEP 2: Do not discuss the incident with other parties. Limit your discussion of the incident to the police and your insurance agent. Do not admit fault.
STEP 3: Write down contact information for all parties involved. Include names, phone numbers, and insurance information. In addition to contact information write details about incident. Remember to stay organized.
STEP 4: If your phone has a built in camera, take pictures to preserve the scene for later review.
STEP 5: Use the contacts listed below to file a claim directly with your insurance carrier.