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What to do after a car accident

The minutes and days after a crash shape both your recovery and any future claim. Here is a clear, practical checklist to follow, even if the accident seems minor.

1. Check for injuries and get to safety

Your health comes first. Check yourself and passengers for injuries. If anyone is hurt, call 911 immediately. If the vehicles are drivable and it is safe, move them out of traffic to avoid a second collision. Turn on hazard lights.

2. Call the police

In most states you should report an accident that involves injury or significant property damage. A police report creates an official, neutral record of what happened, which is often decisive later when insurers dispute fault.

3. Document the scene

If you can do so safely, take photos and video of vehicle positions, damage to all cars, license plates, skid marks, traffic signs, road conditions and any visible injuries. More documentation is almost always better.

4. Exchange information

Collect the other driver's name, phone number, address, insurance company, policy number, and vehicle details. Get names and numbers of any witnesses too — independent witnesses can be very persuasive.

5. Don't admit fault

Stay calm and polite, but avoid saying "I'm sorry" or accepting blame at the scene. Fault is a legal determination that depends on many factors. Stick to exchanging facts and let the investigation establish responsibility.

6. Seek medical attention

See a doctor even if you feel fine. Some injuries — whiplash, concussions, internal injuries — appear hours or days later. Prompt medical records also connect your injuries to the crash, which matters for any claim.

7. Notify your insurance company

Report the accident to your insurer promptly, as most policies require. Give them the facts, but be careful about giving recorded statements or accepting quick settlement offers before you understand the full extent of your injuries.

8. Keep records of everything

Save medical bills, repair estimates, pay stubs showing missed work, and a simple journal of your symptoms and recovery. These become the backbone of any settlement — see how they feed into the numbers on our how settlements are calculated page.

9. Consider whether you need a lawyer

For minor claims many people handle it themselves. For serious injuries, disputed fault, or a low insurance offer, it may be worth speaking with a personal injury attorney — see do I need a lawyer?

This is general information, not legal or medical advice. Laws vary by state. For your situation, consult a licensed professional.