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What do do after a car accident, a step by step guide

Mitch Avatar By: Mitch | Last updated August 31, 2022

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After a car accident, it is essential to take specific steps to ensure your safety and the safety of others. Depending on the severity of your car accident, there might be a need to call for emergency help right away. If that is the case, then you most likely have bigger things to deal with and are outside our guide's scope for today, and we hope that you are ok.

If you get into a minor fender bender and don't need medical help immediately, keep reading to find out important things you don't want to overlook. Forgetting these things can come back to haunt you later on. We have already covered some asepcts on the things to do after a car accident in this post, but this is designed to be more of a step by stepd guide to keep you safe and get you, and your car, back to good shape.

What to do immediately after an accident

After you've been in a car accident, it's essential to take care of a few things right away. First, if you can, move your car to the side of the road. As silly as this sounds, you would be shocked by how many people just sit there and put their hazard lights on. I get it. If your car can't move, you call a tow truck after the police... but if it is just a dent on your bumper, do the right thing and get out of traffic. This will help you avoid causing another accident.


So if you have pulled over, the next thing to do is to call the police. The police will be able to document what happened and clear the s; this is important because you want them to write down who caused the accident and have facts about the crash.

Finally, exchange insurance information with the other driver. This is important so that both parties can file a claim. For us, we suggest you get the driver's license name and the number of the driving person.

You might think this is overboard, but you would be surprised by how often people's memories will change. A couple of weeks later you called for them to pay for the repairs like they said they would, but now they don't remember saying that. If you are saving the people's names on your phone, ensure you are using their legal names, not the Person who hit me, as these can be used in court.

How to file a police report after an accident

If you're in a car accident, you should first pull over and check for injuries. As we just said, if you or anyone else is injured, call 911. If not, contact the police on their non-emergency line. Once the police arrive, tell them what happened and ask for a copy of the accident report.

To file a police report, you'll need to give the officer your name, address, phone number, driver's license number, insurance information, and license plate number. The officer will also ask for a description of what happened. Be sure to give a clear and concise account of the events leading up to the accident.

If you have any questions about filing a police report, you can contact your state's ( or province's) department of motor vehicles or your local police department.

When and how to contact your insurance company

After you've been in a car accident, you should do a few things, like calling for an ambulance if needed. If not, contact the police and get the file information. Get the other drivers' info and go home. Now it is time to chill out, as you are probably very stressed. So have a nice cold coke or drink and just chill out. Write down what happened from your point of view and review it.

Once you have your description finalized, call your insurance company and talk to them. Every company handles things differently, so just call their claim number and fulfill their requirements for filing a claim.

Check out how you feel before the end of the day of an accident.

You are at home, trying to wind down and about to lay down or whatever you do to relax. Your body starts to react to what happened. People often get excited or have an adrenaline rush when they're in an accident and don't take the time to process what has happened. This increase in energy can mask bumps or bruises, and you might notice pain.

Suppose you are finding pain in any parts of your body that hurts; it’s best to go to a doctor and get checked out as quickly as possible. We aren't suggesting you try to sue people for money, but you would be surprised how a little bump can knock your body out of alignment. If you are injured from the accident, you at least want to be fixed to a point where you don't have any life-changing issues, right? So it is good to get any injuries documented, just in case.

The claims process: what to expect

After a car accident, you should first call your insurance company to start the claims process. Here's what you can expect from the claims process:

Your insurance company will assign a claims adjuster to your case. The adjuster will investigate the accident and determine who was at fault. If you were not at fault, the other driver's insurance company would be responsible for paying your claim.

As soon as the fault for the accident has been determined, your insurance company will pay for the damages. If your plan has collision coverage, your insurance provider will also pay for repairs to your vehicle.  And if you have rental reimbursement coverage, your provider will also pay for your rental car.

If you were at fault for the accident, you might be liable for damages that exceed your policy limit.

Conclusion: steps to take after an accident

After being involved in a car accident, you should do a few essential things to protect yourself and your interests.  In all honesty, we hope you never have to follow the steps in this guide, as that would mean you are in an accident. But the truth is that it is best to be prepared for the worst and hope you never have to deal with it, just like learning first aid or CPR. It doesn't hurt you to know the proper steps; it can impact your or someone else's life.

The most important thing to do is to ensure that everyone is ok, and if they are not, get them the medical help they need. Cars can easily be fixed and replaced, but human bodies and body parts can't be pounded into place as quickly as metal can be.