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After car accidents, check that everyone involved is OK. Call 911 immediately if anyone needs assistance. You will probably also have to call the police; it helps to have a police report filed in any accident.

Most insurance policies state that the police must be contacted in a given time frame if a hit-and-run occurs. Try to find a safe place away from traffic to wait for emergency services to arrive.

Most people will have their adrenaline pumping after car accidents and it may be difficult to keep a level head. Simply trying to stay calm can be difficult, particularly if others around you are excitable, too.

No matter how emotional you are, try to avoid admitting guilt even if you feel the accident is your fault. That can make things a lot less complicated further along the line.

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After you've called the police or 911, you should call your insurance agent after car accidents. They can advise you on exchanging insurance details or surveying the scene. It's great if they come to the scene of car accidents as part of your policy.

If not, the proper steps to take in the event of a car accident are usually detailed on the back of your insurance documents, which should reside in your glove box. "Look at the back of the ID card, typically that provides a list of about eight or 10 items," said Steve Frisina, vice president of product management at The General insurance company. "I wouldn't stray very far from that [advice]."

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