What to do after a car accident

A clear checklist for the minutes, days and weeks after a car accident: safety, evidence, medical care, insurance calls and when to talk to an attorney.

1. Get safe and call for help

Move to a safe place if you can, turn on hazard lights, and call 911 if anyone may be hurt. Do not move someone with a possible neck or back injury unless they are in immediate danger.

2. Report the accident

Ask the police to come to the scene and file a report. Many insurers and some states require a report, and it is useful evidence. Get the report number and the officers' names.

3. Exchange information

Collect the other driver's name, phone number, address, license plate, and insurance company and policy number. Note the make, model and color of each vehicle. Get names and contact details of witnesses.

4. Document everything

Photos and video of all vehicles, the road, traffic signs, skid marks and visible injuries.
The time, weather, lighting and exact location.
Notes about what happened, written as soon as possible while you remember it clearly.

5. See a doctor, even if you feel fine

Some injuries, such as whiplash, concussions and internal injuries, can take hours or days to show symptoms. A prompt medical visit protects your health and creates a record linking your injuries to the accident. Follow the treatment plan and keep every bill and record.

6. Be careful with insurance calls

Report the accident to your own insurer promptly. With the other side's insurer, stick to basic facts. You are generally not required to give a recorded statement right away, do not guess about fault or your injuries, and do not sign a release or accept a quick settlement before you understand the full extent of your injuries and costs.

7. Keep a record

Keep receipts, repair estimates, medical bills, pay stubs showing missed work, and a simple diary of your pain and how the injury affects daily life.

8. Know the deadlines and get advice

Every state sets a deadline, called a statute of limitations, for filing an injury claim, and some deadlines are short. If you were injured, talk to a personal injury attorney early. Many offer a free consultation and work on contingency.

This guide is general information, not legal or medical advice, and no attorney-client relationship is created by reading it. Laws vary by state. See our Legal Disclaimer.