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.
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.
This guide is general information, not insurance or legal advice. Coverage and requirements vary by insurer and state.