Step-by-Step: What to Do After an Accident
01
Ensure Safety First
Move to a safe location if possible. Turn on hazard lights. Check for injuries. Call 911 immediately if anyone is hurt.
02
Call the Police
In Newark NJ, call the Newark Police Department at (973) 733-6000 or 911. Get a police report number — you’ll need it for your claim.
03
Exchange Information
Collect: full name, address, phone number, driver’s license number, license plate, insurance company name, and policy number from all drivers involved.
04
Document the Scene
Take photos and videos of all vehicles, damage, road conditions, traffic signs, and any visible injuries. Get contact info from witnesses.
05
Notify Your Insurance Company
Contact your insurer as soon as possible — ideally within 24 hours. Most insurers have 24/7 claims hotlines. Have your policy number ready.
06
Work with the Claims Adjuster
Your insurer will assign a claims adjuster to assess the damage. Cooperate fully and provide all documentation requested.
07
Get Your Vehicle Repaired
Your insurer will either approve a repair shop or allow you to choose one. Get a written estimate before authorizing repairs.
Documents You’ll Need for Your Claim
Your insurance policy number
Police report number
Photos and videos of the accident
Other driver’s insurance information
Witness contact information
Medical records (if injured)
Repair estimates
Rental car receipts (if applicable)
NJ No-Fault Insurance and Your Claim
New Jersey is a no-fault state, which means your own Personal Injury Protection (PIP) coverage pays for your medical expenses regardless of who caused the accident. This applies to:
- Medical treatment and hospital bills
- Lost wages (up to 70% of your weekly income)
- Essential services (childcare, housekeeping)
- Death benefits to survivors
For property damage and serious injuries, you may still file a claim against the at-fault driver’s liability insurance.
Newark Emergency Contacts
Emergency / 911
911
Newark Police (Non-Emergency)
(973) 733-6000
NJ DMV (NJMVC)
(609) 292-6500
NJ Dept. of Banking & Insurance
(800) 446-7467
Need Help With Your Claim or Finding Better Coverage?
Our Newark agents can help you navigate the claims process and find better, more affordable coverage for the future.Call (973) 300-1234