10 Tips for What to Do at an Accident Scene

April 12, 2023||inPersonal Insurance|auto accident, auto insurance, personal insurance

Even the most careful drivers can be in an accident. Because having an accident isn’t common, you might forget what you should and shouldn’t do if you’re in an accident.

Here are actions you can take to help things go smoothly and facilitate the claims process:

10 Tips for What to Do at an Accident Scene
Click here to submit an inquiry to Murphy Insurance or call us at 800 222 8711

Stay calm. Getting upset only complicates a bad situation. Maintain your composure, even if the other person doesn’t.

Check for injuries and call the police. Even if the accident is minor, make the call. Notify them of injuries so that they can call for medical assistance.

Don’t leave the scene of an accident. Even if the other driver says it’s okay, they could later file for injuries, or you could be accused of a hit-and-run. Wait for the police to arrive, as they provide an objective witness.

Don’t move an injured person — unless they are in immediate danger.

Try to protect the scene of the accident. Don’t move your vehicle unless it impedes traffic or is necessary to prevent further damage. Keep a kit with emergency cones, triangles, or flares in your car.

Don’t blame the accident on anyone—including yourself—and don’t say so to anyone, even if you might be at fault. Give your full description of the accident only to the police officer.

Exchange information with the other driver.

Take notes of:

  • the license plate number, make, model & color of other vehicles
  • names & addresses of all drivers/passengers
  • drivers’ license numbers
  • note if the driver is different from the vehicle owner
  • insurance company information
  • name and address of the witness

Take photos. Use your cell phone to document the accident scene and vehicle damage.

Ask the officer where you can get a copy of the police report.

If you hit an object or unattended vehicle, try to find the owner. If you can’t, leave a note containing your name, address, and phone number. Record the details of the accident.

Call Murphy Insurance as soon as possible after an accident so that our Claims Team can assist you. Please don’t assume we’ll find out another way. You can initiate your claim online at Claims Center.

In an emergency, call our 24-hour emergency hotline at 800 222 8711.

A Massachusetts Crash Operator Report is required to be completed by a person who was operating a motor vehicle involved in a crash in which any
person was killed or injured or in which there was damage over $1,000 to any one vehicle or other property. Report needs to be submitted to the RMV/Police Station/Insurance Company within five days of the accident.

Read Other Blog Posts

Car in traffic

Risks of Lowering Auto Coverage

Many drivers look to reduce their auto insurance premiums by lowering coverage or dropping parts of their policy altogether. While it’s true that cutting back can save a few dollars in the short term, the long-term consequences of being underinsured can be financially devastating—especially in the aftermath of a serious accident. Learn about ways you can save without exposing yourself to major financial risk.
Read more
Students

The Good Student Discount

Teens and young adults often face hefty auto insurance premiums because, statistically, new drivers are more likely to get into car accidents. However, most carriers offer a way to help offset some of this financial burden—a good student discount. Learn more about how to qualify.
Read more
Senior driver

Driving Safely As You Grow Older

As you get older and wiser, you might come to the realization that you just can’t do some things quite like you used to. When it comes to driving, it's important to stay safe and feel confident behind the wheel. Learn about smart driving tips for seniors and precautions to ensure your safety and that of those around you on the road.
Read more
MHM 1

Introducing the Murphy Insurance Homeowner’s Manual: Your Guide to Preventing Costly Home Repairs & Damages

Murphy Insurance Agency has launched a new Homeowner’s Manual designed to help you prevent costly home repairs and avoid common insurance claims. Backed by decades of real-world experience, this practical guide offers seasonal tips, safety advice, and a maintenance checklist to protect your home—and your wallet—all year long. Download your copy today!
Read more
Protecting Your Marlborough Home A Local Guide to Homeowners Insurance

Protecting Your Marlborough Home: A Local Guide to Homeowners Insurance

Thinking about homeowners' insurance in Marlborough, MA? Whether you're settling into your first home or reviewing your coverage, Murphy Insurance offers expert guidance and tailored protection designed for New England’s unique risks. Discover what’s included, what to expect, and how our local team can help you protect what matters most.
Read more
House with trees

10 Signs a Tree May Fall on Your Property

Trees can be valuable additions to any property; however, each year, fallen trees and branches cause millions of dollars in property damage. It is crucial to proactively recognize signs a tree may be at risk of falling to help prevent dangerous and costly accidents.
Read more
Renters Insurance in Medway, MA Protect Yourself Original

Renters Insurance in Medway, MA: Protect Yourself

Renting in Medway, MA offers convenience—but without renters insurance, your belongings may be at risk. While your landlord’s policy covers the building, it doesn’t protect your personal property or shield you from liability. Renters insurance provides affordable coverage for theft, fire, water damage, and personal liability. With options tailored to your needs, local agencies like Murphy Insurance make it easy to get covered.
Read more

Spring Clean Your Insurance: A Fresh Start for Your Policies

With Spring often comes spring cleaning. Have you ever thought about giving your insurance policies a little spring cleaning too? Just like your home, your insurance coverage needs attention and regular updates to ensure it’s still a good fit for your current needs.
Read more
What to Do When a Hurricane Threatens

Get Ready for Hurricane Season in New England: What You Need to Know

While New England is not typically directly in the hurricane "strike zone" like the Gulf Coast or the Southeast, that doesn’t mean we’re immune to the dangers of hurricanes and tropical storms. With that in mind, it's important to have a plan as hurricane season approaches and be sure you understand your insurance coverage.
Read more

Visit Our Auto Insurance Page

Auto Insurance

At Murphy Insurance, we are here to assist you in obtaining the appropriate auto insurance. Choosing the appropriate auto insurance coverage can be overwhelming. Every insurance company has its unique offerings, making it challenging to compare options effectively. That’s where we shine. We simplify the process by helping you evaluate provider and policy choices, seek out discounts, and optimize your car insurance within your budget constraints. Ultimately, our goal is to provide you with peace of mind, knowing that you and your loved ones are well-protected. Visit our auto insurance page to learn more.