Stay at the Scene
Never leave the accident scene until it's appropriate to do so. If you leave, particularly where someone has sustained injuries or was killed, you can face serious criminal penalties for being a hit-and-run driver.
Check on All Drivers and Passengers
Before assessing property damage, make sure everyone involved in the accident is okay. Get medical attention for anyone who needs it. If a person is unconscious or has neck or back pain, don't move them until qualified medical help arrives, unless a hazard requires moving the person.
Call the Police
If there's significant property damage, physical injury, or death, you need to call the police. Ask that a police report be filed in situations where cops do arrive at the scene, and obtain the name and badge numbers of the responding officers.
Get the names, numbers, addresses, drivers' license numbers, license plate numbers, and basic insurance information from all drivers involved. If there are passengers, also obtain their names, numbers, and addresses. In talking to other drivers, try to be cordial and cooperative.
However, you shouldn't apologize for anything at the scene.
For example, if you say, "I'm so sorry I ran that red light! Is everyone okay?" you may be admitting legal liability for what happened. Immediately after an accident, it might not be clear who was at fault or more at fault. Moreover, in many states, fault isn't determination of which insurer will pay for any loss. Therefore, try not to admit guilt unintentionally or unnecessarily.
Talk to Witnesses
Ask every witness what he or she saw. Get their names, numbers, or addresses, if possible. Ask locals if they've ever witnessed other accidents in the same place.
Inform Your Insurance Company
Promptly tell your insurance company you've been in an accident. Cooperate with them and tell them the truth about what happened and the extent of your injuries. Explain the facts clearly. If the insurance company finds out that you've lied to them about anything, you can get into serious trouble, including possible denial of coverage for the accident. Obtain and review any police report filed, so you can point out who broke what traffic laws or who was at fault.
Take photographs of any damage to your vehicle as soon as possible after the accident. Photos helps your insurance adjuster determine how much you should be compensated for the damage to your car and can help in court. Pictures of your car before the accident can offer a great "compare and contrast" to show the true extent of the damage sustained in the accident.