How-to

What to Do After a Car Accident: Step-by-Step Claim Guide

Updated Oct 28, 2026 2 min read By the WieHow – Home, Energy & Money Guides editorial team
🇩🇪 Diesen Artikel auf Deutsch lesen
Quick answer

Check for injuries and call 911 if anyone is hurt, move to safety, exchange information with the other driver, photograph the scene and damage, and notify your insurer promptly. Don't admit fault at the scene — let the insurers determine liability.

Even minor accidents are stressful. Having a plan makes it easier to stay calm and avoid mistakes that can complicate your insurance claim.

Step by step

  1. Check for injuries and call 911

    Your safety comes first. Call 911 if anyone is injured or the road is blocked.

  2. Move to a safe place

    If the cars are drivable and no one is hurt, move out of traffic and turn on hazard lights.

  3. Exchange information

    Get the other driver's name, phone, insurer, policy number, license plate and driver's license number.

  4. Document everything

    Photograph vehicles, damage, license plates, the scene, road conditions and any injuries. Get witness contacts.

  5. File a police report if required

    Many states require a report for injuries or damage above a certain amount. A report also helps your claim.

  6. Don't admit fault

    Be polite and factual, but don't apologize or speculate about who caused the accident.

  7. Notify your insurer

    Report the accident promptly through the app or claims line, even if the other driver was at fault.

  8. Get medical care

    Some injuries appear later. See a doctor if you feel pain or discomfort after the accident.

Which insurance pays?

SituationWho usually pays
Other driver at faultTheir liability insurance
You are at faultYour liability for others; your collision coverage for your car
Other driver uninsuredYour uninsured motorist coverage
No-fault statesYour personal injury protection for medical costs
Small damage? For minor damage, compare the repair cost with your deductible and possible premium increases before filing a claim. Still inform your insurer if another party might make a claim.

Frequently asked questions

Do I have to use the insurer's repair shop?

In most states you can choose your repair shop, though insurer-recommended shops may offer guarantees and faster processing.

How long do I have to file a claim?

Policies require prompt notice. Legal deadlines for lawsuits vary by state, but notify your insurer as soon as possible.

Was this helpful?

Related guides