For Consumers

Your auto insurance rights and responsibilities

What to do if you're in an accident

  • If safe, try to warn oncoming traffic. Turn on your hazard lights.
  • Give reasonable aid to the injured and call 911. Do not move them unless it's absolutely necessary.
  • Notify police.
  • Give and get necessary information for the accident report, including insurance information, license plate numbers, names of people involved in the accident, witnesses, and police officers.
  • If you can do it safely, take photos with your phone or camera.
  • Only discuss the details of the accident with the police or your insurer.

Warning: If someone's injured or dies, or if property damage is more than a certain dollar amount (, you must notify the state police, city police, or county sheriff. If you fail to complete a written report (, when required, your license could be suspended. 

What to do if you're hit by an uninsured driver

  • Call the police and document as much information as possible about the accident and the other vehicle and driver.
  • If you bought uninsured/underinsured motorist coverage, you can file a claim with your own company. Your collision and personal injury protection coverage will also cover your loss for damage to your car and any reasonable and necessary medical bills.
  • If you don't have uninsured/underinsured motorist coverage, you will need to rely on other coverage you may have bought, such as collision coverage to pay for your damaged car or personal injury protection for any injuries related to the accident.
  • If you don't have these coverages, you'll need to pay for repairs, medical bills (unless you have health insurance), and maybe a rental car. You may then pursue the at-fault party directly to recover your costs.