What to Do After a Car Accident: A Step-by-Step Guide

At the Scene

Safety first. Move to a safe location if possible. Call 911 if anyone is injured. Even in minor accidents, a police report creates an official record.

Document Everything

The evidence from the scene is the foundation of any claim:

Photos and video: Damage to all vehicles, the road, traffic signs, weather conditions, visible injuries, license plates
Other driver’s information: Name, insurance company, policy number, driver’s license number, phone number
Witnesses: Names and contact information of anyone who saw the accident
Police report number: Ask the responding officer for the report number or how to obtain a copy

What NOT to Say

Do not admit fault or apologize at the scene. “I’m sorry” can be used against you later. Stick to the facts when speaking with police and other parties.

In the First 48 Hours

Seek Medical Attention

See a doctor even if you feel fine. Some injuries don’t show symptoms for days or weeks — soft tissue damage, herniated discs, concussions. Medical documentation from shortly after the accident establishes the link between your injuries and the event.

Notify Your Insurance Company

Report the accident to your own insurer promptly. Most policies require timely notification. Stick to the basic facts: when, where, what happened. You don’t need to provide a detailed narrative.

Do NOT Give a Recorded Statement to the Other Driver’s Insurer

If the other driver’s insurance company calls asking for a “recorded statement,” know that this is voluntary, not mandatory. Multiple attorneys have stated publicly that this exists primarily to benefit the insurance company’s case, not yours.

Dealing with the Insurance Company

The Quick Settlement Offer

Insurance companies often move fast with an initial offer — sometimes within days. This is before you know the full extent of your injuries. You are not required to accept anything on the spot. The release you sign is permanent.

Keep Records of Everything

Save all correspondence (emails, letters, call logs)
Keep all medical bills, records, and receipts
Document missed work days and lost income
Keep a journal of pain and limitations

Know Your State’s Deadlines

Every state has its own statute of limitations and claim filing requirements. The NAIC Model Unfair Claims Settlement Practices Act establishes standards that most states have adopted, including required response timeframes for insurance companies.

Red Flags to Watch For

The adjuster says “this is a very fair offer” — the initial offer is almost never the final offer
They pressure you to settle quickly — urgency is manufactured
They ask leading questions designed to minimize your injuries
They request access to your full medical history (they may only be entitled to records related to the accident)
They stop returning your calls — delay is a documented tactic

Frequently Asked Questions

Do I have to give the other driver's insurance company a recorded statement?

No. You are under no legal obligation to give a recorded statement to the other driver's insurance company. According to consumer rights organizations and attorneys, the request is voluntary and primarily benefits the insurer's case, not yours.

Should I accept the first settlement offer from the insurance company?

The initial offer is almost never the final offer. Insurance companies typically start with a low number generated by claims software designed to minimize payouts. You are not required to accept anything on the spot — the urgency is manufactured.

How long do I have to file an insurance claim after a car accident?

Deadlines vary by state. Most states have a statute of limitations for personal injury claims ranging from 1 to 6 years, with 2–3 years being most common. However, you should report the accident to your own insurance company promptly, as most policies require timely notification.

Should I see a doctor even if I feel fine after an accident?

Yes. Some injuries — soft tissue damage, herniated discs, and concussions — may not show symptoms for days or weeks. Medical documentation from shortly after the accident creates a record linking your injuries to the event.

Can the insurance company use my social media posts against me?

Yes. Insurance companies routinely monitor social media during active claims. Photos, check-ins, and status updates can be used as evidence to argue you're exaggerating your injuries. This is standard industry practice documented in claims adjuster training materials.