At the scene
- Check for injuries and call 911 if anyone is hurt or the scene is dangerous.
- Move to safety if you can — turn on hazard lights and get out of traffic.
- Exchange information with the other driver: name, phone, insurer and policy number, license plate and the car’s make and model.
- Document everything: photos of all vehicles, the scene, road conditions and any injuries, plus names and numbers of witnesses.
- Don’t admit fault or guess about what happened. Stick to the facts.
Report it
Call the police if anyone is injured or vehicles can’t be driven; many states also require a report when damage is above a set amount. Get the report number. Then notify your insurer promptly — most policies require it, even if you don’t plan to file a claim.
In the days after
- See a doctor if you feel any pain; some injuries appear later.
- Keep records of medical bills, repair estimates, rental costs and every conversation with insurers.
- Know your coverage: collision pays for your car regardless of fault, and uninsured motorist coverage helps if the other driver has no insurance.
Wondering how a claim will affect your price? See how much car insurance goes up after an accident.
Frequently asked questions
Will my insurance go up after an accident?
An at-fault accident usually raises your rate for several years. Accidents you didn’t cause often don’t, and some states limit surcharges for them.
Do I have to report a minor accident to my insurer?
Most policies require prompt notice of any accident. Reporting doesn’t always mean filing a claim, and late notice can put coverage at risk if the other driver claims later.
Sources
- Insurance Information Institute (Triple-I): What to do at the scene of an accident
- Insurance Information Institute (Triple-I): How to file an auto insurance claim
This guide is general information, not insurance or legal advice. Coverage and requirements vary by insurer and state.
