Car accidents are stressful and often happen when you least expect them. Knowing what to do immediately after an accident can help protect you legally, financially, and medically. Below is a detailed checklist to guide you through the essential steps to take after an accident.
1. Take Photos of Everything
One of the most important things you can do after an accident is to document the scene. Use your phone to take photos of:
- All vehicles involved, from multiple angles
- The license plates of all cars involved
- Any visible damage to your car and other vehicles
- The overall accident scene, including skid marks, debris, and the position of the vehicles
- Any injuries you or others may have sustained
Taking thorough photos can help reconstruct the accident later if there is a dispute over fault.
2. Collect Driver and Witness Information
Ensure you gather the following information from all drivers involved:
- Name and contact information
- Driver’s license number (take a picture if possible)
- Insurance information (company name and policy number)
- Vehicle registration details
Additionally, if there are any witnesses, obtain their names and phone numbers. Witness testimony can be crucial in establishing fault, especially if the other driver disputes what happened.
3. Call the Police
If you’re in California or another area where police may not respond unless there are injuries, still make the call. A police report can be valuable in legal and insurance matters. If they don’t arrive, you can file a report yourself later.
4. Seek Medical Attention
If you are injured, seek medical help immediately. If the injuries are severe, call an ambulance or go to the emergency room. For non-life-threatening injuries, consider visiting an urgent care center instead of waiting for a primary care appointment. Delaying medical treatment can not only worsen injuries but also hurt your insurance claim.
5. Notify Your Insurance Company
Report the accident to your insurance company as soon as possible. If you delay, your claim may be denied or your insurer may hold it against you later. Provide them with the details and let them handle the investigation.
6. Speak to an Attorney
Consulting a personal injury attorney can help protect your rights, especially if you’re injured or the accident was not your fault. Many attorneys offer free consultations and can guide you on how to handle your case. They can also advise you on dealing with insurance companies and help ensure you receive fair compensation.
7. Know Your Insurance Rights
- Deductible Waiver: If you’re not at fault and using your own insurance, you may be able to request a deductible waiver.
- Medical Bill Coverage: Check if your insurance policy covers immediate medical expenses such as ER visits, ambulance bills, and copays.
- Body Shop Choice: In California, you have the right to choose your own repair shop—your insurance company cannot force you to use their preferred provider.
- Recorded Statements: Be cautious about giving recorded statements, especially to the other party’s insurance company. These can be used against you in a claim dispute.
8. Keep a Physical Checklist in Your Car
Having a printed accident checklist in your glove compartment ensures you don’t forget important steps in a stressful moment. If you’d like a physical copy of our accident checklist, contact our office, and we’ll mail one to you.
By following these steps, you can protect yourself legally, medically, and financially after an accident. Stay prepared, stay informed, and drive safely!
