What to do after a car accident

What you do immediately after a car accident can significantly affect your legal rights and your ability to recover compensation. Here is a step-by-step guide: **Step 1 — Stop and ensure safety ^[1] Every state requires drivers involved in an accident to stop immediately. Leaving the scene of an accident involving injury, death, or significant property damage is a hit-and-run — a criminal offense in all states. Move vehicles out of traffic if possible and safe to do so. Step 2 — Call 911 ^[1] Call police if there are injuries, the accident is blocking traffic, or property damage is significant. A police report creates an official record that is critical for insurance claims and any future lawsuit. In minor fender-benders, some states allow drivers to exchange information and file a self-report with the DMV. Step 3 — Document everything While waiting for police, collect: - Names, contact information, driver's license numbers, and insurance information of all drivers - License plate numbers and vehicle descriptions - Names and contact information of witnesses - Photos of all vehicles, damage, skid marks, traffic signs, and the accident scene - The responding officer's name and badge number, and the police report number Step 4 — Seek medical attention ^[2] Even if you feel fine, see a doctor promptly. Many injuries (whiplash, concussions, internal bleeding) are not immediately apparent. Delayed treatment can both harm your health and weaken a personal injury claim, as insurers may argue the injuries were not caused by the accident. Step 5 — Notify your insurance company Report the accident to your insurer promptly. Most policies require timely notification. Provide factual information; do not speculate about fault at this stage. Step 6 — Protect your legal rights ^[2][3] - Do not admit fault at the scene, even if you think you may have contributed - Do not give a recorded statement to the other driver's insurance company without first consulting an attorney - Keep records of all medical bills, lost wages, and accident-related expenses - Be aware of your state's statute of limitations** for personal injury claims — typically 2–3 years from the accident date ^[3] *Consult a personal injury attorney if you were injured or there is significant property damage. Many work on contingency and offer free initial consultations.*