What to Do After a Car Accident

Stay calm and take the right steps.

Last updated: November 11, 2025

Whether it's a minor scrape or a serious collision, follow these steps to stay safe and handle everything properly.

Step-by-Step Accident Response Checklist

Follow these steps one by one and tick them off as you complete them.

Filing Your Accident Report by State

Each state has its own reporting process and deadlines. Choose your state below for the correct links and requirements.

Contact Your Insurance

Notify your insurance company within 24–48 hours. Keep all related documents—reports, receipts, and photos—organized.

Information to Prepare

  • Your insurance policy number
  • Accident details (date, time, and location)
  • Police report reference number (if available)
  • Photos showing all damage
  • Other parties' insurance details
  • Witness names and contact details

What Happens Next

  • You'll receive a claim number—keep it for reference
  • A claims adjuster may contact you to assess the damage
  • You may be offered a rental vehicle during repairs
  • Keep all receipts for expenses related to the accident
  • Review settlement offers carefully before accepting
Tip: You're not required to give a recorded statement immediately. Take time to review the details first.

Repairs & Costs

Storage fees can add up quickly. Ask your insurer if your vehicle can be moved to a preferred location to reduce costs.

You choose where to repair your car

You are free to choose your own repair shop. Your insurer may suggest options, but the final choice is yours.

Compare repair quotes

Request written estimates from several repair shops to compare pricing, quality, and warranties.

Avoid unnecessary storage costs

Tow yards often charge daily storage fees. Move your car to a repair facility or safe storage as soon as possible.

Keep every receipt

Keep receipts for all accident-related costs such as towing, repairs, medical visits, and rentals.

Understanding Your Legal Rights

Understand your rights and what you cannot be forced to do.

You have the right to choose your repair shop.

You may decline to give a recorded statement until you feel ready or have sought advice.

You're entitled to full and fair compensation for all verified losses resulting from the accident.

There are legal time limits for filing claims. Most states allow 1–4 years—check your local laws and act promptly.

You have the right to request detailed invoices and written repair estimates before approving work.

Need professional advice?

If you're uncertain about your options, you can request a free, no-obligation consultation with a qualified attorney.

Request a consultation

Essential Guides

Expert advice to protect your rights and maximize your claim.

🚨 Hit and Run Accidents

What to do when the other driver flees the scene. Essential steps and how to file claims.

Read Guide →

📸 Document Damage Properly

Complete photo checklist and documentation tips for insurance claims and legal protection.

Read Guide →

đź’¬ Insurance Adjuster Tips

What NOT to say to insurance adjusters. Protect your claim and avoid costly mistakes.

Read Guide →

Frequently Asked Questions

What if no officer came to the scene?

If police didn't attend, you can usually file a self-report online or at a local station. Check your state's requirements—many require reporting within 24–72 hours for significant damage or injury.

Do I need to report every accident?

Not always. Most states require a report if there's injury, death, or damage above a certain amount (typically $500–$1,500). When in doubt, file a report.

How long do I have to file a claim or lawsuit?

The timeframe varies by state, usually 1–4 years for injury claims and 2–6 years for property damage. Don't delay—evidence fades over time.

Will using this site cost me anything?

No. This site is a free resource. If you request legal help, many attorneys work on contingency—they're only paid if you win.

What if the other driver doesn't have insurance?

If the other driver is uninsured, check your policy for uninsured motorist coverage or file a claim through your own collision coverage.

Should I accept the insurance company's first offer?

Not necessarily. Review all your expenses and repair estimates before accepting. You may be entitled to more.

Who can I talk to for help?

You can contact your insurance provider or an attorney. There's no obligation to proceed.