What to Do at the Scene of a Minor Car Accident to Protect Yourself Legally

In the stress of the moment, people either panic or try to settle things informally. Both are mistakes. Do not admit fault, do not apologize in a way that implies responsibility, and do not agree to skip the insurance process. Stay calm, check if anyone is injured, and move vehicles out of traffic if it is safe to do so.

Exchange information: names, phone numbers, insurance details, license plates. Photograph everything — the damage to both vehicles, the scene, road conditions, and any skid marks. If your country requires a police report for minor accidents, call them. Fill out the accident report form if you have one. Notify your insurance company within 24 hours, even if the damage seems minor.