Be sure to obtain the names, addresses, and phone numbers of any witnesses to the accident. Witnesses, particularly those not directly involved in the accident, are very helpful in establishing who is responsible for causing the accident. Do not discuss the accident with witnesses or other parties involved. With the exception of giving your version of the accident to the police, discussing the accident with other individuals involved in the accident or witnesses is almost always counterproductive. Certainly the chaotic moments immediately following a collision are not the time to determine who is at fault.
Arguments do nothing but make the scene more tense.
On the other hand, what you might consider an innocuous apology might later be looked at as an admission of liability. Automobile Insurance and Coverages You should always notify your liability insurance carrier following an accident. There are several different types of insurance claims that may arise out of an accident. Your failure to promptly notify your insurance company may result in the insurer's attempt to disclaim coverage that you would otherwise have. If you do not have collision insurance or do not want to make a claim with your own carrier, you can make a claim for property damage directly against the offending driver's insurance company.