Ans:

• Move your cars over to the side if possible and see if everyone is OK. Do not try to administer aid if you do not know how — you might make conditions worse and open yourself up to liability.
  
• If it is a minor accident (where the police aren't necessary):
• At the Scene:
• Exchange driver's license and insurance information.
• Write down the license plate information.
• If you have a camera, take pictures.
• If there is very minor damage, determine if you want to go through insurance or pay for this without insurance (If you go through insurance and it is your fault, then your rates will go up. So if the damage is cheap, it might be wiser to pay for it out of your own pocket.)
• Afterwards:
• If you decide to go through insurance, call the insurance company and tell them that you got into an accident. They will instruct you from there.
• If you get a call from the other party's insurance claims adjuster or attorney, don't talk to them. This means that the accident is more serious than you may think. You should then contact your insurance company or attorney to deal with these parties
• If it is a major accident (where the police come out):
• At the Scene:
• Give your story to the police officer. Be as descriptive as possible.
• Take pictures if you have a camera.
• Afterwards:
• Order the police report. The police officer should have given you a card with instructions on how to get a copy of the police report. Follow those instructions.
• Contact your insurance company and tell them that you got into an accident. They will begin the claims procedure and instruct you from there.
• See a doctor if you are injured. Keep all receipts.
• Call your local car manufacturer dealer and ask where to bring your car for collision repair. Bring the car there to get estimates. Do not go to a small repair shop to get a cheap estimate. Since insurance will pay for it, you want to be sure it is done right.
• If this is a serious accident where people are severely injured (ie death or very serious bodily injury), then you should consult with an attorney. The damages in these cases can easily be in the hundreds of thousands or millions of dollars range. Lawsuits are often imminent in these high stake situations.

If the other party's insurance claims adjuster or attorney calls, don't talk to them! They are very good at putting words into people's mouths. You may ruin your case or create more liability for yourself if you say the wrong things. If they call, tell them that you don't want to speak with them because you want to talk to an attorney first.