Safety first. Ensure everyone's ok, call emergency services if not, and, if possible, move your car away from traffic. If, on a rough scan, the damage looks to exceed $2,000, call the police. However, a minor accident should still be reported to your insurance company. Call your PEI insurance broker or insurance provider and go over the accident with them and include as many details as possible. The sooner you call, the faster the claims process will be.