In the event of an automobile accident:

What should you do?

Being involved in a serious motor vehicle accident is for most people one of the most traumatic experiences in their lives. Obviously, of first importance is taking care of any physical injuries you or your family members have suffered in the accident.

But once the initial injuries have been addressed, it is important to understand your rights, duties, and responsibilities under New York law. Failure to do so could result in the loss of benefits under your insurance policy that you have paid premiums for and are entitled to receive. This article explains the steps you need to take to protect yourself and your family.

1. At the Accident Scene

Remain calm and assess the damage to your vehicle and whether anyone in your vehicle or other involved vehicles was injured. Do not move your car unless you are blocking traffic or are otherwise in a dangerous location. If you are in such a location and your car is operable, move it only to the nearest safe location or off to the side of the road. You do not want to be accused of leaving or attempting to leave the scene of an accident.

Once you have assessed the situation for damage and injuries, call an ambulance if one is needed and call the police to report the accident. When the police arrive, the officers will gather facts necessary to complete the accident report. While it is important...