In the event of an auto accident

 Immediate Actions (At the Scene)

1. Ensure Safety & Check Injuries: Stop, turn on hazards, and check yourself, passengers, and others involved for injuries. Call 911 if anyone is hurt.
2. Move to Safety: If the vehicles are drivable and it's safe, move them off the road to prevent further accidents.
3. Call the Police: Even for minor crashes, call the police to create an official report, which is vital for insurance claims. Get the officer's name and badge number.
4. Document Everything: Take photos of vehicle damage, license plates, the scene (road, traffic signs), and gather witness info.
5. Exchange Information: Swap names, contact details, driver's license, and insurance info with other parties.
6. Avoid Admitting Fault: Don't apologize or say you were at fault; stick to the facts when speaking with others and the police. 

Follow-Up Actions

1. Seek Medical Attention: Get checked by a doctor, as some injuries don't appear immediately.
2. Contact Your Insurer: Notify your insurance company as soon as possible to start the claims process.
3. Get the Police Report: Obtain a copy of the official accident report for your records and insurance. 

 In a home loss, prioritize safety, then mitigate further damage, and immediately contact your insurance company to start a claim, documenting everything with photos/videos while securing temporary housing and essentials, and finally exploring government/financial aid. Keep detailed records of all expenses and communications with insurers and relief agencies to navigate the recovery process effectively. Immediate Actions (First 24-48 Hours)

1. Ensure Safety: Get yourself and family to a safe place; evacuate if the home is dangerous. Call emergency services if needed (fire, police for theft/burglary).
2. Mitigate Damage: Take reasonable steps to prevent more loss (e.g., tarp a damaged roof, shut off water/gas if safe).
3. Contact Insurance: Notify your agent or company immediately to report the loss and start the claim.
4. Document Everything: Take extensive photos/videos of all damage from multiple angles; don't discard damaged items.
5. Secure Essentials: Find temporary housing, save receipts for hotels, meals, and supplies. 

Next Steps (Days Following)

1. Work with Adjuster: Meet the insurance adjuster, point out all damaged items, and understand your coverage.
2. Track Expenses: Keep detailed, itemized records of all costs related to displacement and repairs.
3. Contact Mortgage Lender: Inform your lender about the situation and ask about payment relief options.
4. Seek Assistance: Check for FEMA aid, local relief, and community support.
5. Mental Health: Acknowledge the emotional toll and seek support if needed.