It's not all that uncommon to get in fender benders. Ideally, you have car insurance. Car insurance makes getting into minor accidents much less of a big deal

You have to make sure you know what to do and what not to do after an accident, though. You can get stressed after you've had an accident and say or do the wrong thing. You can also forget to get the needed information and cause yourself trouble that way. It's important to know what to do before you find yourself in that situation.

The first thing to remember in a minor accident without injuries is to move the cars out of the road. This is very important especially if you had your fender bender in an intersection.

You don't want to cause more accidents by blocking the roadway. Leaving your car in the middle of an intersection can cause more accidents and injuries. Before you start to move the cars, though, be sure to turn on hazard lights.

The second thing to remember is that you need to call the police. In some areas, police will show at even minor accidents and write up an accident report, while in other areas there must be injuries for police to come to the scene. Regardless, call the police and see if they will send someone. Having an accident report can make filing a claim with your auto insurance much easier.

It's critical that you exchange information with the other driver. You should get each other's name, phone number, insurance carrier, policy number, drivers license number, and license plate number. It's a good idea to take down details about the car too like year, color, make and model.

When you are exchanging information, be careful what you say to the other driver. Do not admit fault, or apologize for the accident or any part in the accident. Don't even say "sorry." You do not want to be taken as admitting fault, as this is problematic for an insurance claim. Let the police sort out who was at fault.

Take pictures if you can. Some people keep a disposable camera in their glove box for this reason. Many people now have camera phones, and the camera on a cell phone works just fine for this purpose as well. Take pictures of both vehicles, details of damage, and also shots of where the cars are in relation to one another if possible. As soon as you leave the scene, call your auto insurance company and report the accident.

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