Experiencing your first car collision can be a frightening and disorienting event. Whether it’s a minor fender-bender or a more severe accident, knowing what steps to take in the aftermath is crucial for protecting yourself and handling the situation properly. This guide outlines the essential actions to follow after your first car collision to ensure your safety, handle insurance claims, and address any potential legal concerns.
1) Prioritize Safety First
Immediately after a collision, your top priority should be the safety of everyone involved. If possible, move your vehicle to the side of the road to avoid obstructing traffic and preventing further accidents. Turn on your hazard lights to alert other drivers of the situation. If you or anyone else is injured, call 911 right away to get medical assistance. Even if injuries seem minor, it’s essential to have a professional assess the situation.
Most car crashes, particularly deadly ones, occur in urban areas where traffic is denser. According to Wilson & McQueen PLLC, 61% of fatal accidents take place in cities, making it even more critical to be cautious and follow safety procedures immediately after a crash.
2) Exchange Information with the Other Driver
Once you’ve ensured that everyone is safe and that medical help is on the way if needed, the next step is to exchange information with the other driver. Gather their name, phone number, address, and insurance details, as well as the make, model, and license plate number of their vehicle. If there were any witnesses to the collision, try to get their contact information as well, as they may provide helpful testimony later on.
3) File a Police Report
Even in the case of minor collisions, it’s always a good idea to contact the police and file an official report. In some states, this is a legal requirement, especially if there are injuries or significant property damage. A police report provides an unbiased account of the accident, which can be useful when dealing with insurance companies or if legal action becomes necessary.
4) Contact Your Insurance Company
Once you’ve exchanged information and filed a police report, the next step is to notify your insurance company about the collision. Most insurance policies require you to report accidents within a specific time frame, so don’t delay making the call. Provide them with all the necessary details, including the other driver’s information, the police report, and any photos or witness statements.
Auto collisions can be costly, which is why many drivers invest in insurance coverage. According to a 2023 Forbes report, in addition to mandatory liability coverage, 75% of insured drivers also purchase collision coverage, and 79% opt for comprehensive coverage to protect their vehicles from damages. If you have collision or comprehensive coverage, your insurance will likely help cover repair costs or vehicle replacement, depending on the severity of the accident.
5) Seek Medical Attention
Even if you feel fine immediately after the accident, it’s important to seek medical attention. Some injuries, such as whiplash or internal trauma, may not be apparent right away but can develop hours or even days after the collision. Visiting a doctor as soon as possible ensures that any injuries are identified and treated early.
6) Get an Estimate for Vehicle Repairs
Once you’ve taken care of immediate concerns like safety, information exchange, and medical attention, the next step is to have your vehicle assessed for repairs. Obtain an estimate from a qualified mechanic or body shop to determine the extent of the damage and the cost of repairs.
The auto collision industry is substantial, with the market valued at over $187 billion in 2021, according to Broadly. This underscores how common collisions are and how important it is to work with a trusted repair service to restore your vehicle to its pre-accident condition.
7) Follow Up on Your Claim
Once you’ve filed a claim with your insurance company and received an estimate for repairs, follow up regularly to ensure the process moves forward smoothly. Keep in contact with your claims adjuster, and provide any additional documentation or information they may request.
In some cases, disputes over fault or coverage can arise. If this happens, remain patient but assertive, and don’t hesitate to seek legal advice if necessary.
Knowing what to do after your first car collision is essential for protecting your health, your finances, and your legal rights. By following these steps—prioritizing safety, exchanging information, filing a police report, and contacting your insurance company—you’ll be better prepared to handle the situation calmly and efficiently.