3. Know what to do after an accident - After an accident, first check to see if anyone is injured, says Penny Gusner, consumer analyst for Insure.com. "Then exchange information with the other party -- including name, phone number and insurance information. Take pictures of the scene and take down notes for yourself, even if you have to use your smartphone. This is important because you may forget details later and it will be more difficult to accurately remember what happened even a day later," she says.
You should also call the police to get an accident report. If the other person is at fault this is especially important because the driver might admit fault at the scene but say differently later. "If it's on the police report, it's harder for the person to change their story," says Gusner. If the police can't or won't respond, see about filing your own report with them after the fact. In some state it's required that you file a crash report with the state if police don't respond.Call your own insurance company and if you think the other driver's at fault, contact his insurer as well.