If someone else caused your vehicle accident, feel free to call your insurance company from the scene if you feel that you are safe and in control of your emotions. Be sure to take any photos, talk to witnesses and get their contact details, and provide a full account of your version of events to YOUR insurance company.
You are under no obligation to speak to the other driver’s insurance company immediately following the accident, and we recommend that you don’t until you speak to an attorney that will represent you in this matter. The insurance companies are going to try to pay as little to you as possible, so be sure to only speak to them when you are confident about what happened and clear-headed. Often, just after an accident emotions are high and adrenaline is pumping. Don’t rush to talk to anyone except those who will be fighting for you.