Being in a car accident can turn your day (or week) upside down. Whether it’s a minor fender bender or a more serious collision, it’s easy to feel shaken and unsure of your next steps. But don’t worry – we’ve got your back.

This step-by-step guide walks you through what to do after a car accident – and, just as importantly, what not to do. Keep this information handy and share it with friends and family – you never know when you may need it.

• Name and contact details
• Driver’s license number
• Insurance company and policy number
• License plate number
• Make, model, and year of their vehicle

Be polite, but don’t dive into the blame game (more on that below).

• Damage to both vehicles
• Street signs or traffic lights
• Skid marks, debris, or road hazards
• Surrounding area and landmarks (take a note of any outdoor cameras)

Good visuals help speed up your claim process and protect you if there are questions later.

Just as important as what you should do is knowing what to avoid. In the heat of the moment, mistakes can cost you.

• Don’t leave the scene – It could be considered a hit-and-run, even if the accident was minor.
• Don’t admit fault – Let the insurance companies and investigators sort that out. Stick to the facts only.
• Don’t accept or offer cash – Even if someone says, “Let’s handle this without insurance,” politely decline. This can backfire.
• Don’t exit the vehicle if unsafe – If you’re on a busy road or freeway, stay inside with your seatbelt fastened until help arrives.

Once everyone is safe and you’ve reported the accident, it’s time to file your insurance claim. Having the right details ready can make the process smoother and faster.

Here’s what to gather:

• Your name, address, and Auto insurance policy number
• Name of the person driving at the time (if it wasn’t you)
• A basic description of what happened
• Time, date, and location of the accident
• Name and contact info for any witnesses
• Photos from the scene
• Details about the other vehicle and driver (make, model, license plate, and insurance info)

Pro Tip: Keep a notepad and “Accident Checklist” in your glove compartment.

Save your insurance company’s claims phone number in your phone before you ever need it. You’ll be glad it’s right at your fingertips in the middle of an accident.

So, if your phone’s dead or the app won’t load, that little piece of paper or plastic can still save the day.

While claims are handled directly through your insurance company, we are always here to help clarify your policy or answer questions about your Auto insurance coverage. Learn about Auto insurance here.

Not sure if your Collision or Comprehensive coverage applies? Wondering about Rental Reimbursement while your car is in the shop? Give us a call or send a message – we’ll help you understand what your policy includes so you can feel confident moving forward.