You Got in an Accident. Now What? A Step-by-Step Guide

First: make sure everyone's safe

Before anything else, check for injuries and move to safety if the vehicles are drivable and it's safe to do so. Call emergency services if anyone is hurt, even if it seems minor — some injuries don't show symptoms right away.

Document everything on the scene

Once everyone is safe, your phone is your best tool. Photos protect you more than memory does, and insurance adjusters work off documentation, not stories.

• Photos of all vehicles from multiple angles, including license plates
• Photos of the road, any skid marks, traffic signs, and surrounding damage
• The other driver's name, insurance company, and policy number
• Contact info for any witnesses on the scene
• A police report number, if law enforcement responds

Report the claim quickly

Most policies require prompt notification after an accident, and waiting too long can complicate your claim. Reporting it the same day, even if you're not sure who was at fault, protects your position and gets the process moving.

What happens during the claims process

Once filed, an adjuster reviews the damage, statements, and any police report to determine fault and coverage. Depending on your policy, this could mean a repair shop estimate, a rental car while yours is fixed, or in worse cases, a total loss payout based on your car's value.

Don't accept a settlement before you understand it

If the other driver's insurer reaches out with a quick settlement offer, it's worth understanding the full extent of damage and any potential injury costs before agreeing to anything. Settlements are often final — once signed, you generally can't go back for more.