If you get into an auto accident. No matter who the other person is. You should always call the police. You should if you can get out of the car tell the other person or people who were involved that the local police have been called and if they are hurt you should also call the paramedics. Do not leave the scene until an officer says it’s okay. Don’t talk to the person who hit you about the accident though. It’s fine to say sorry but don’t go into detail. The police will tell the other people involved whether you are uninsured or underinsured. Anthony Paglia can also help in cases like this.