Key points
- Get medical care quickly, even if you feel fine.
- Document the scene, the cars and your injuries with photos.
- Report the crash to your own insurer, but be careful what you say to theirs.
What you do in the first three days after a crash shapes the claim for months. Most of it is simple.
At the scene
- Call 911 if anyone is hurt, and ask for a police report
- Photograph the vehicles, plates, the road, signals, skid marks and injuries
- Exchange names, phone numbers, license and insurance details
- Get names and phone numbers of witnesses
- Do not argue about fault or apologize
Within 24 hours
See a doctor. Adrenaline hides pain, and many injuries, such as whiplash and concussions, show up later. A same-day or next-day visit links the injury to the crash. Insurers use delays to argue you were not hurt.
Report the crash to your insurer. Policies require prompt notice. Stick to the facts.
Within 72 hours
- Get the police report number and request a copy
- Start a folder for bills, receipts, mileage and time off work
- Write down what happened while it is fresh
- Photograph your injuries as they change
Talking to the other driver’s insurer
Their adjuster may call quickly and ask for a recorded statement. You do not have to give one. If you do, keep to the facts, do not guess about speed or distance, and do not describe your injuries as minor before a doctor has examined you.
Do not sign anything yet
Early offers often come before the extent of your injury is known. Do not sign a release until treatment ends.
Know your deadline
Check how long you have to file with the statute of limitations calculator, then estimate the claim with the car accident settlement calculator.