What to Do After a Car Accident

What do you do when you get in a car accident? 

Getting into a car accident can be a stressful and overwhelming experience. Knowing what steps to take immediately after the incident can help protect you legally and financially.

Investing in a dash cam is a smart idea to protect yourself from false fault claims in accidents.

Whether it's a minor fender-bender or a major collision, calling the police is crucial and legally required in some states. Responding officers will document the scene and fill out an accident report. If the police can't come to the scene, you can complete a report at the nearest police station. Your insurer may request a copy of this report when you file a claim to help with the process.

Turn off your engine, turn on your hazard lights, and use road flares from your emergency kit to warn other drivers to slow down.

Beware of bandit tow trucks, warns the National Insurance Crime Bureau. These are unsolicited tow trucks that offer help but may be a scam. They often tow vehicles to shady facilities and demand unreasonable fees to release them.

Here’s a detailed guide on what to do if you find yourself in this unfortunate situation.

Immediate Actions at the Scene

1. Check for Injuries

   • First and foremost, check if you or anyone else involved in the accident is injured. If there are any injuries, call 911 immediately to get medical help and police assistance.

2. Ensure Safety

   • If possible, move your vehicles to a safe location off the road to prevent further accidents and alleviate traffic congestion. If the damage is minor and the cars are drivable, this is particularly important.

3. Stay Calm and Civil

   • Stay calm and avoid any confrontations. Even if the other driver was at fault, keeping your composure is crucial.

Gather Information

1. Call the Police

   • Always call the police, especially if there is significant damage or any injuries. A police report is an important document for insurance claims and can help determine fault.

2. Exchange Information

   • Exchange insurance information with the other driver. This includes the insurance company name, policy number, driver's license, and contact information.

3. Document the Scene

   • Take pictures from every possible angle. Capture the damage to all vehicles, the surrounding environment, street signs, weather conditions, and any skid marks or debris on the road. This documentation can be invaluable when filing your insurance claim.

4. Check for Fake Insurance IDs

   • If you suspect the other driver might have a fake insurance ID, calling the police becomes even more crucial. A police report will officially record the incident and the other driver’s information.

Dealing with Fault and Insurance

1. Do Not Admit Fault

   • Never admit fault at the scene. Fault determination is the job of the insurance companies. Simply stating “I’m sorry” can be interpreted as an admission of guilt and used against you later.

2. Contact Your Insurance Company

   • Notify your insurance company as soon as possible to file a claim. Provide them with all the information and documentation you’ve gathered, including the police report.

3. Be Prepared for Possible Challenges

   • If the other driver has a fake insurance ID and you didn’t call the police, you might face significant challenges. Always ensure that a police report is filed to protect yourself.

What to Do If You Can't Use Your Phone

1. Have a Backup Plan
   • Always carry a disposable camera in your glove compartment to take pictures if your cell phone is dead or not charged.

Legal and Emotional Considerations

1. Know Your State’s Laws

   • Laws regarding car accidents vary from state to state. Familiarize yourself with your state’s requirements, such as mandatory reporting thresholds and insurance protocols.

2. Get a Written Statement

   • When the police arrive, give your statement and ensure you get a copy. This will be useful for your records and when dealing with insurance companies.

3. Ask About Your Car

   • Ask the police what you should do with your car. Depending on the damage, you may be able to drive it home or it may need to be towed.

4. Emotional Aftermath

   • It’s normal to feel shaken after an accident. Take care of yourself emotionally and remember that accidents happen. You will get through this.

Summary of Standard Procedure

1. Ensure Safety: Move cars off the road if possible.
2. Call 911: For medical help and police assistance.
3. Stay Civil: Avoid confrontations and remain calm.
4. Do Not Admit Fault: Let the insurance companies handle that.
5. Document the Scene: Take pictures and gather information.
6. Exchange Information: Get and give insurance details.
7. Notify Insurance: File a claim with your insurer.
8. Follow State Laws: Be aware of legal requirements in your state.
9. Emotional Care: Take care of your mental well-being.

By following these steps, you can navigate the aftermath of a car accident more smoothly and protect yourself from potential legal and financial issues. Stay safe on the road!

Can you get insurance after a car accident

You can buy insurance and switch auto insurance companies at any time. However, you can't purchase insurance after an accident to cover the repair costs from that incident.

What to do after a car accident