The minutes and days after a crash matter. Acting calmly and documenting what happened can protect both your health and any claim you make later.
At the scene
- Check for injuries and call 911 if anyone is hurt. Request medical help even if injuries seem minor.
- Move to a safe place if the cars are drivable and it is safe to do so.
- Call the police. Many insurers and some states require a report.
- Exchange names, contact details, insurance information and license plate numbers.
- Photograph the vehicles, the damage, road conditions, signs and any injuries.
- Collect names and numbers of witnesses.
What not to say
Avoid admitting fault or guessing about what happened. Stick to facts. Fault is determined later, and your words at the scene can be used against you.
In the following days
- See a doctor promptly. Some injuries appear hours or days later, and a medical record connects the injury to the crash.
- Report the accident to your insurer as your policy requires.
- Keep a file with the police report number, photos, repair estimates, medical bills and receipts.
- Be careful when talking to the other driver's insurer. You are not required to give a recorded statement.
- Track missed work and out-of-pocket costs.
When to consider a lawyer
Consider speaking with an attorney if you were injured, fault is disputed, the insurer offers a settlement that seems low, or the other driver was uninsured. Remember the statute of limitations for injury claims, which varies by state.
Frequently asked questions
Do I have to report every accident to the police?
Reporting thresholds vary by state, usually based on injuries or damage amount. Reporting is still wise in almost every case.
Should I accept the first settlement offer?
Not automatically. Early offers may not cover future medical costs. Make sure you understand the full extent of your injuries first.