1) Get a Complete Medical Evaluation — Even If You Feel “Fine”
Adrenaline can mask pain for hours or even days. Soft‑tissue injuries, concussions, and internal trauma may not show symptoms right away. Always visit a doctor, urgent care, or ER as soon as possible — even after a “minor” crash. This protects your health and creates vital medical documentation if you later file a claim.
Tip: Insurance adjusters often question claims if there isn’t an immediate medical record after the crash. Don’t give them that excuse.
2) Take Detailed Photos and Videos at the Scene
Most people take a quick shot of the damage and call it a day. Instead, capture everything: vehicle positions, skid marks, debris, street signs, weather and lighting conditions, visible injuries, and the other driver’s license plate. The more evidence you collect, the stronger your case later. Some things that you may want to note:
- The positions of the vehicles
- Skid marks, debris, and street signs
- Weather and lighting conditions
- Visible injuries
- The other driver’s license plate and VIN if available
3) Get Witness Names and Contact Info
Witnesses can make or break a claim, but they often disappear once the scene clears. Ask for names, phone numbers, or email addresses of anyone who saw what happened — including store employees or nearby residents. Their statements can help prove fault if the other driver disputes what happened.
4) Notify the Police and Get the Report Number
In many states, even small accidents must be reported to law enforcement. Ask the responding officer for the incident or report number, and request a copy once it’s filed. The police report is an official record that can support your insurance claim, confirm fault, and preserve key details you may forget later.
5) Protect Your Legal Rights Before Talking to Insurance
Insurance companies often reach out quickly after a crash — sometimes the same day. Be careful what you say. Their goal is to limit payouts. Before giving a recorded statement or signing anything, consider talking with an attorney who handles car‑accident cases.