What Steps Should You Take After A Car Accident?

Leave sooner, drive slower, live longer.” – Author Unknown

A car accident, no matter how minor, can be overwhelming. Between the adrenaline rush, potential injuries, and damage to your vehicle, it’s easy to forget what you should do.

That’s why it’s important to know what to do before you ever find yourself in that situation.

Here’s a simple, step-by-step guide to help you stay calm and take the right actions after a car accident.

This is what you should do…

Step 1: Check for Injuries

• • First and foremost, check yourself and others for injuries. If anyone is hurt, call 911 immediately and request medical assistance.
  • Do not attempt to move anyone who is seriously injured unless there is an immediate danger, such as fire or another oncoming vehicle.

Step 2: Move to Safety (If Possible)

• • If the vehicles are drivable and it’s safe to do so, move them to the side of the road to avoid blocking traffic.
  • Turn on your hazard lights to warn other drivers.
  • If the accident is severe or you’re unsure, it’s okay to leave the vehicles where they are until the authorities arrive.

Step 3: Call the Police

• • In many states, calling the police is required for any accident involving injury, death, or significant property damage.
  • Even if the accident seems minor, having an official police report can help support your insurance claim later.
  • Be honest and factual when giving your statement, but avoid admitting fault—leave that determination to the police and your insurance company.

Step 4: Exchange Information

• • Exchange the following details with the other driver:
    • Full name and contact information
    • Insurance company and policy number
    • Driver’s license and license plate number
    • Make, model, and color of the vehicle
    • Location of the accident
  • If there are witnesses, try to get their names and contact details as well.

Step 5: Document the Scene

• • Use your smartphone to take photos of:
    • All vehicles involved (including damage)
    • License plates
    • The surrounding scene (traffic signs, skid marks, etc.)
    • Any visible injuries
  • This visual evidence can be extremely helpful during the claims process.

Step 6: Notify Your Insurance Company

• • Contact your insurance company as soon as possible—ideally within 24 hours.
  • Provide them with all relevant information, including photos, the police report number, and the other driver’s details.
  • Many insurers have mobile apps that allow you to start the claims process on the spot.

Step 7: Seek Medical Attention

• • Even if you feel fine, it’s wise to see a doctor.
    • Injuries like whiplash or concussions may not show symptoms right away.
    • A medical report can also support any injury claim related to the accident.

Step 8: Keep Records

• • Maintain a file with all accident-related documents, including:
    • Police report
    • Medical bills
    • Repair estimates
    • Correspondence with your insurance company
  • Having everything in one place makes the process easier and less stressful.

Step 9: Be Cautious on Social Media

• • Avoid discussing the accident or posting pictures on social media.
    • Even innocent comments could be misinterpreted and used against you during the claims process.

Step 10: Follow Up

• • Stay in touch with your insurance adjuster and repair shop for updates.
  • If the accident was serious, consider speaking with a legal professional—especially if there’s a dispute over fault or injury liability.

No one plans to be in a car accident…

But being prepared can make a stressful situation much easier to manage. Keep this checklist in your glove compartment or save it on your phone. And remember—having a reliable insurance policy in place is one of the best ways to protect yourself on the road.

Have questions about your auto coverage? Contact us today for a free policy review or to file a claim—we’re here to help, every step of the way.