1.- Stay Calm. Determine the injuries and or damage.
2.- Call the police. File an accident report and obtain medical assistance if needed.
3.- Limit Discussion. Talk only with the police or your insurance agent. Don't admit liability or fault on the scene of the accident.
4.- Get the facts. Write down names, addresses, phone numbers, insurance companies of individuals involved, and witnesses.
5.- Call your insurance agent to report the accident.