What to Do After a Car Accident: A Step-by-Step Guide

What to Do After a Car Accident

A Step-by-Step Guide

Car accidents can be overwhelming, but knowing what to do in the moments after a crash can make a big difference.

Whether it’s a minor fender bender or a more serious collision, following these steps can help ensure your safety, protect your rights, and simplify the claims process.

1. Stay Calm & Check for Injuries

2. Move Impacted Vehicles Out of Traffic

3. Call the Police to Report the Accident

4. Exchange Information & Take Photos

5. Start the Claims Process

1. Stay Calm & Check for Injuries

First and foremost, check on yourself and your passengers. If another vehicle was involved, make sure the other driver and any passengers are okay. Even if you feel fine, remember that some injuries might not be immediately noticeable due to adrenaline. If anyone is injured, call 911 right away for medical assistance.

2. Move Impacted Vehicles Out of Traffic

If it is safe to do so and your vehicle is still operable, move it to the side of the road to prevent further accidents.

Turn on your hazard lights to alert other drivers, and if available, set up road flares or warning triangles to increase visibility.

3. Call the Police to Report the Accident

Dial 911 to report the accident, even if it seems minor. The police will document the scene, gather statements, and file an official accident report. This report can be crucial for insurance claims and legal matters. Be sure to:

  • Answer all police questions honestly and stick to the facts.
  • Provide your driver’s license, registration, and insurance information.
  • Request the officers' names and badge numbers.
  • Obtain a copy of the police report for your records.

If police are unavailable, you may need to file a report yourself at your local police department or DMV.

4. Exchange Information & Take Photos

Even with a police report, it's essential to gather your own evidence. Collect the following details from the other driver:

  • Name, address, and phone number
  • Driver’s license number
  • License plate number
  • Insurance company and policy number
  • Make, model, and color of their vehicle

Additionally, take clear photos from multiple angles, capturing:

  • The damage to all vehicles involved
  • The accident scene, including traffic signals or signs
  • Any visible injuries
  • The road conditions and weather at the time of the accident

If there were any witnesses, politely ask for their contact information.

5. Start the Claims Process

Report the accident to your insurance company as soon as possible. Whether you decide to file a claim with your provider or the other driver’s insurer, having all necessary information on hand will help streamline the process.

Many insurance companies allow you to file claims through their mobile app, website, or by calling customer service.

Pro Tip:

Consider adding uninsured/underinsured motorist coverage to your policy to protect yourself in case you’re involved in an accident with a driver who lacks proper insurance. Some states require this coverage by law, so check your state’s requirements.

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What to Do After a Minor Accident or Fender Bender

If the accident is minor with no injuries and only minimal vehicle damage, you may choose not to file a claim.

However, it’s still wise to exchange information with the other driver and notify your insurance company in case issues arise later.

Will My Insurance Rates Increase After an Accident?

If you're found at fault for the accident, your rates may increase upon policy renewal. Some insurers offer accident forgiveness programs that prevent rate hikes for first-time accidents.

Even if the accident wasn’t your fault, certain providers might still adjust your premiums. Check with your insurer to understand how your policy handles accident claims.

Being involved in a car accident can be stressful, but taking the right steps can help protect you legally and financially. Always prioritize safety, gather necessary information, and notify your insurance provider promptly to ensure a smooth claims process.

By staying prepared, you can navigate post-accident procedures with confidence and peace of mind.

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* Disclaimer: The information provided on this website is for general informational purposes only and does not constitute legal, financial, or insurance advice. Coverage options, terms, conditions, and exclusions vary based on individual circumstances and the policies issued. For specific details about your coverage, please refer to your policy documents or consult with a licensed insurance agent. Insurance Select is not responsible for any errors or omissions in the information provided or any actions taken based on it.