A car accident is stressful even when it is minor, and it is easy to forget important steps in the moment. Having a clear checklist in mind helps you stay safe, protect your legal rights, and give your insurer what it needs to handle your claim smoothly. Here is what to do, in order.
1. Check for injuries and get to safety
Your first priority is people, not property. 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 the shoulder; otherwise turn on hazard lights and stay put.
2. Call the police
In many situations a police report is valuable — and sometimes legally required, especially if there are injuries or significant damage. An official report creates a neutral record that can be important later when insurers determine fault.
3. Document everything
Use your phone to gather as much evidence as you can while you are still at the scene:
- Photos of all vehicles, damage, license plates, and the overall scene
- Photos of road conditions, traffic signs, and skid marks
- The other driver’s name, contact, insurance company, and policy number
- Names and contact details of any witnesses
- The responding officer’s name and the report number
4. Do not admit fault
Be polite and cooperative, but avoid saying anything that sounds like an admission of fault — even a reflexive apology. Fault is determined later based on evidence and the law. Stick to exchanging information and describing facts.
5. Notify your insurer promptly
Report the accident to your insurance company as soon as you reasonably can, even if you are not sure you will file a claim. Most carriers have 24/7 phone lines and mobile apps that let you start a claim and upload photos right away. Prompt reporting helps your claim go smoothly.
6. Keep records as your claim proceeds
Save everything related to the accident: the claim number, repair estimates, medical bills, rental car receipts, and any correspondence with the insurer. Good records make it far easier to resolve disputes and get properly reimbursed.
Being prepared before it happens
The best time to review your coverage is before you ever need it. Make sure you understand your deductibles and whether you have extras like rental reimbursement and roadside assistance. On EzRatesAuto you can compare coverage options across 20+ carriers so you know exactly what you are carrying — and confirm the details with your chosen carrier.