Getting into a car accident is stressful, and it is hard to think clearly in the moment. Knowing what to do ahead of time can protect your safety, your legal rights, and your wallet. Here is a step-by-step guide for New Jersey drivers.
1. Check for Injuries and Move to Safety
Your first priority is safety. Check yourself and your passengers for injuries. If anyone is hurt, call 911 immediately. If the vehicles are drivable and the accident is minor, move them to the shoulder or a nearby parking lot to get out of traffic. Turn on your hazard lights.
2. Call the Police
In New Jersey, you are required to report any accident that involves injury, death, or property damage over $500. Even for minor fender benders, having a police report on file makes the insurance process much smoother. Wait for the officer and provide an honest account of what happened.
3. Exchange Information
Get the other driver's name, phone number, insurance company, policy number, license plate number, and driver's license number. If there are witnesses, get their contact information too. Take photos of the damage to all vehicles, the accident scene, road conditions, and any relevant traffic signs or signals.
4. Notify Your Insurance Company
Contact your insurance company as soon as possible to report the accident. New Jersey is a no-fault state, which means your own Personal Injury Protection (PIP) coverage pays for your medical expenses regardless of who caused the accident. For vehicle damage, fault matters — the at-fault driver's liability coverage typically pays for repairs.
5. Get a Repair Estimate
You have the right to choose your own repair shop in New Jersey. Your insurance company may suggest a preferred shop, but you are not required to use it. Bring your vehicle to a shop you trust for an honest, thorough estimate.
6. Understand Your Coverage
If the other driver was at fault, their insurance should cover your repairs. If you were at fault or the other driver is uninsured, your own collision and uninsured motorist coverage comes into play. Review your policy so you know what to expect.
Why AutoBlast Makes the Process Easy
At AutoBlast, we handle insurance and warranty claims every day. We work directly with your provider, handle the paperwork, and make sure your vehicle is restored to pre-accident condition. From collision repair to auto painting, we do it all under one roof. Call us at (856) 546-8880 or stop by our Audubon, NJ shop for a free estimate.
Need Help With Your Vehicle?
AutoBlast is Camden County's trusted auto repair and body shop. Stop by our Audubon, NJ location or give us a call for a free estimate.