Whenever you have a car accident, call the police. Period. No Exception.
Watch the People's Court w/ Judge Marilyn Milian (what a Babe!), and if you can DVR all episodes, then just fast forward and watch the cases involving a car accident. You'll notice the same trend in all of them: The victim did not call the police, and that's why they're in court.
After an Accident, do NOT Move the Vehicle until the police arrive, even if you're in the middle of a lane or intersection. Just Wait. Also, carry a cheap disposable camera in your vehicle at all times. Take 2 pictures of everything (if possible) and another set of pics with your phone. Make sure to snap pics of their License Plate, The Driver, the VIN of the vehicle that hit you, far away pics, close up pics. The more pics the better.
If you're capable of moving/talking, do NOT Say anything to anyone (other than a police officer) after an accident. Immediately call the police, then call your insurance company. The legal system is designed to get people off on technicalities and you can't know them all. This is something your insurance company should have already explained to you...
I gave this 'pep talk' to all my dealership employees every quarter. Nothing is worse than having a Tech test drive a customer vehicle and get in a car accident... nothing.
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