what to do if you're in an automobile accident

stop at the scene

You cannot drive away from an accident. You must stay until you have given your name and address to a police officer or the other driver.
 

be safe

Call 911. Warn other drivers away from the accident. Only deliver First Aid if you're capable, otherwise ask for help.  
 

tell a police officer

Tell a police officer, or other law enforcement official that you had an accident. The police report can help you later if you forget facts.

Give them your name and address and show them your driver's license and your insurance card. This is all you must do to obey Missouri law.

You do not need to tell any person, other than a police officer, how you think the accident happened. You may learn later that you did not do anything wrong. You should not sign any papers at the scene except the agreement to appear in court if asked by an officer.
 

get names, addresses, and phone numbers

Ask all witnesses to write down their names, addresses and telephone numbers.

Write answers to questions on a blank page in this booklet. Draw a picture of the accident scene, also.
 

towing

If you cannot drive your car, you must have it moved from the scene. If the police officer calls a tow truck, you should ask how much it will cost, tell the tow driver where to take your car, preferably some place where you won't have to pay storage. Ask for his name, address and telephone number if you do not go with him.
 

call your insurance agent

You must tell your insurance agent about the accident. Your lawyer can help with the report. Your insurance could be lost if you do not tell the agent right away.
 

see a doctor

You may not know if you are hurt because you may be upset. It is a good idea to see a doctor.
 

call a lawyer

Talk to a lawyer before talking to anyone else about the accident. A lawyer knows how to help you.

don't be taken advantage of

Do not talk to an insurance investigator before you speak to your attorney.
 

Missouri accident reports

It is Missouri law that you must file a written report with the Department of Revenue if these things happen:

• Either car has $500 damage or a person was injured;

• The accident was on a public street or highway;

• A driver does not have insurance; or

• You can get forms from a police department, your insurance company, or your lawyer.

pay nothing

Do not pay anyone money unless your lawyer tells you to pay.
 

call 816.279.3900