What to Do After A Car Accident?

When you have a car accident there are a few keys things you need to do to make sure you are protected.

1. Always stop if you are involved in an accident, this is your legal obligation. Even if you do not think there was any damage, any time you collide with something, you need to stop your car.

2. Never admit responsibility for the accident. Your legal contract with your car insurance company clearly states that you must not assume responsibility or liability under these circumstances.

There are many ways to avoid a car accident but once one happens it is important to know before you get into an accident what to do and what questions may need to be answered by the other person involved in order to make your insurance claim. This checklist will help you know what to do after a car accident. It is best to review it now and then print it out and keep a copy with you in your car.

Check to see if anyone needs urgent medical care. If you can, do not move the vehicles unless they are causing a major problem with traffic. If possible wait for the police before moving anything.

Even in a minor accident, it is important to make sure there is a legal accident report.

It is important to limit your discussion of the accident and not to admit any fault or liability. You should only talk about the accident with the police, medical professionals and your insurance representative.

This is the part most people know to do but often forget due to the stress of the accident. You can see a full list of information you need to collect at the car accident scene here. It is important to get names, address, and phone numbers of everyone involved in the accident. A description of the car and license plate number can also be helpful, but make sure you also get their insurance company and the vehicle identification number of their car. Don’t just assume the license plate number will do because most insurance companies only record the type of car and the vehicle identification number, not the license plate number.

Call your agent or insurance company’s emergency claims number immediately. If you can call them from the scene, it may be even more useful. Sometimes a police officer can give your insurance company more accurate information than you can at the time because you are upset by the accident.

Your insurance agent or the person who you speak to at your insurance company claims phone number,  will be able to walk you through how to file your claim after an accident. If your insurance company has an app, you may also have the option to start the claims process there or visit your insurance company website to see if you can fill in the information or follow up on your claim online.

Did you just have a car accident? Here’s the information you will need to file a proper insurance claim:

• Information about what happened
• Information about the driver
• Information for insurance

We cover each of these pieces of information in the 5 lists below by section.

1. Car Accident Form

The best way to be prepared in a car accident is to get a car accident form used to collect all the information at the scene of an accident from your local DMV or police station.

Every state has a different form, so it is a good idea to get one to make things as easy as possible. A car accident is really stressful and the last thing you need is to be worrying about the information you need to fill out.

• Name of Driver
• Address of Driver
• Phone number or other contact information

You need the basic information here which can be found on their proof of insurance card. Get the other driver’s:

• insurance company name
• insurance company policy number

• Vehicle Description, Make, Model and Year – Consider taking photos for your own record if it is possible.
• Vehicle registration information
• License plate number

• Date and Time of the Accident
• Address of the accident, or approximate address
• Road you are on and the nearest cross street
• The direction you were traveling in
• The direction the other car was traveling in
• Take photos from a few angles or sketch a diagram of the crash scene
• What happened (As soon as you can write out your account of what happened, or use your mobile phone to record yourself telling all the details for your own records. It’s easy to forget the details when you are all shook up from a crash, so recording you talking about it might help).

With most people having access to mobile phones, and cameras on the mobile phone, as well as the increase of insurance companies allowing you to submit claims information using apps or email, you may consider taking photos. This is especially useful for property damage images, images of the positioning of the cars, where they were on the street, etc.

Please pay special attention to the potential risks of identity theft when it comes to your personal information. The other party needs your name, address and phone number to give their insurance company, but they do not really need your driver’s license photo. By being prepared with a form to fill in, or the basic information already written out, you will avoid a situation where someone is asking for a photo of your license. Remember, when you’re in a car accident, you do not know the other person usually and they do not know you.

You should never discuss fault with the other party or parties involved. The details of how you feel or what you were doing are not their concern.

Even if you feel like you did something wrong, you must not ever accept responsibility or indicate responsibility.

Your job in the car accident is to collect the facts and not get involved in any further discussion. If the other party tries to get you to admit fault or suggests you handle things without insurance, collect the information and do not commit to anything. You need to get the information necessary to report the accident, especially considering that in many states you have a legal obligation to report a crash. You can contact your state insurance commissioner or your insurance representative to ask them about the specific laws in your state.