.svg)
No one expects to get into a car accident, but it happens. Whether it’s a fender bender or something more serious, it’s easy to feel overwhelmed. What are you supposed to do? Who should you call? And how do you make sure you don’t accidentally say or sign something that negatively impacts your potential case?
In those first few minutes after a crash, your brain is in overdrive. You're shaken up, adrenaline is pumping, and it can be hard to think straight. But the decisions you make right after an accident can affect everything, from your health to your insurance payout to whether you can file a claim later on. That’s why knowing what to do (and what not to do) is key. Here’s your step-by-step guide.
Before anything else, take a deep breath and do a quick body scan. Are you hurt? Bleeding? Dizzy? Shock can hide injuries, so even if you feel okay, stay still for a moment and get your bearings.
If you're not seriously hurt, check on others in your car. Then, if it’s safe, get out and see if anyone else involved needs help. If you or anyone else is seriously injured, call 911 immediately.
If the accident is minor and the vehicles are drivable, move them to the side of the road and turn on your hazard lights to avoid causing another crash.
If your car won’t move or it’s unsafe to drive, leave it and get to a safe spot away from traffic.
Even in minor crashes, you should always call the police and file a report. It protects you if the other driver changes their story—or if you decide to file a claim.
When the police arrive:
Even saying “I’m sorry” can be used against you.
Don’t just snap a photo of their plate! Be sure to get the following:
Take pics of the cars, the damage, the scene, traffic signs—everything.
If anyone saw what happened, ask for their name and contact info. One witness saying “That car ran the red light” can make all the difference.
It’s tempting to post, but don’t. Insurance companies do check social. Even a casual “I’m fine now!” could be twisted to minimize your injuries. Play it safe. No posts.
Not all injuries show up right away. You might feel fine now, but wake up sore, dizzy, or worse the next day. Common delayed symptoms include:
Go to urgent care, your doctor, or the ER. Keep copies of all your visit summaries and bills.
Tell your insurer about the crash, even if it wasn’t your fault. Be brief and stick to the facts.
If the other driver’s insurer calls, you don’t have to give a recorded statement. Wait until you’ve talked to a lawyer.
If you were injured, even slightly, or your car was seriously damaged, it’s smart to talk to a lawyer who handles car accident claims. They can:
You don’t need to “lawyer up” right away, but getting a free consultation doesn’t hurt. Most car accident lawyers only get paid if you win, so you’ve got nothing to lose.
Create a folder in your Notes app, Google Drive, or whatever works for you. Save:
Being organized means staying ahead of insurance companies trying to downplay your case.
Car accidents are chaotic. But knowing what to do and what not to do can greatly protect your health, money, and rights.
Stay calm. Take photos. Don’t admit fault. Skip the social posts. Talk to a lawyer.
Don’t have one? Take our free, 2-minute quiz, to see if you qualify.