Quick answer
Get to safety, obtain emergency help where needed, and preserve basic information without arguing about fault.
Do now
Follow reporting duties and responder instructions. If safe, record vehicles, drivers, insurers, witnesses, location, road conditions, and damage. Seek appropriate medical care and notify relevant insurers promptly. Keep the report number and original photos.
Watch for
Do not post speculative admissions or accept a quick release before understanding injuries and benefits. Insurance notice deadlines can arrive much sooner than a lawsuit deadline.
Official sources
NJDOBI — Auto Insurance Consumer Information, NY DFS — No-Fault FAQs, DC DISB — Consumer Auto Insurance Guide.
