Do you have any tips for a driver calling the police after an accident?

If there is an accident that involves physical injuries to another party, or that causes one or both cars to be immobilized and blocking traffic, then the first thing to do immediately asses your own physical condition, the condition of your passengers, and the condition of your vehicle. Depending on the circumstances, but always if there is a physical injury, the next thing to do is call 9-1-1. When the police and fire department personnel arrive, follow this simple advice, "be calm and truthful," advises says Clark Jackson, President and CEO of Jackson and Jackson Insurance Agents and Brokers in Glendora, California. "The dispatcher will want to know the exact location of the accident, whether there are physical injuries, whether traffic is blocked because of the accident, and whether there are any road hazards such as broken glass or a gasoline spill that requires attention. Follow the directions of the dispatcher if requested to render aid prior to the police and safety personnel arriving at the scene."

An accident is a very stressful event. Even if you feel you are not hurt, the stress of the moment may mask your own injuries. That is one reason why it is important make yourself well aware of the circumstances and surroundings of the accident scene. It is also why it is very important to follow the directions of safety personnel once they arrive at the accident.

"Under no circumstances," Jackson warns, "should you get into a confrontation with the other driver. It is appropriate, and in some states mandatory, for you to render aid to the accident victim. While that can be done without an admission of liability, if the other party is irate, simply walk away. Remember this is an accident scene where someone likely has violated the traffic laws of the state. Police are involved. Escalation of the tensions at the scene may result in further unfortunate acts, which should be avoided at all costs."

Police officers are trained accident investigators. Regardless of what the other party to the accident may say, the police will make their own determination of who is at fault for the accident. While statements made are important, they are not as important as the physical evidence at the accident scene. Also, do not expect the police to inform you of who is at fault at the time of the accident. They have more important things to do, like taking care of any injured people and getting the damaged vehicles out of the roadway.

"Let the police do their job," recommends Jackson. "Getting into a shouting match with the other driver and expecting the police to referee is a big mistake."

In many metropolitan areas police do not respond to traffic accidents unless they are major and involve injuries. If the police do respond, make certain you get the name of the officer. "Follow up periodically with the investigating officer to obtain a police report," Jackson recommends. "This will help in resolving the claims. Make certain you report any conversations with the police or with the other party to your insurance adjuster."