Should I accept the settlement my insurance company offers?
It is in your best interest to contact the police immediately after an accident. Even if you feel that damages to your car were minor, having a police report on hand can help you make a solid case with your insurance company and the courts. The police will also examine the other driver for drug or alcohol use, which can play an important factor in your injury claim.
Also, never settle with an at-fault driver at the time of the accident as this can negatively affect your claim.