The steps you take in the first few minutes protect both your safety and your insurance claim.
At the scene
- Check for injuries and call 911 if anyone is hurt.
- Move vehicles out of traffic if they are drivable.
- Exchange names, phone numbers, insurers, and policy numbers.
- Photograph all vehicles, damage, license plates, and the scene.
- Avoid admitting fault, even casually.
File a police report
Many states require one above a damage threshold. The report is valuable evidence for your claim.
After you leave
- Notify your insurer promptly, even for minor damage.
- Keep records of medical visits and repair estimates.
- Get your own repair quote if you disagree with the adjuster's.
Acting quickly and documenting everything keeps your claim moving and reduces disputes later.