What to Do Immediately After a Car Accident: Insurance Checklist

Panic is normal. Following this 5-step checklist keeps you safe, protects your claim, and speeds payout.

Step 1: 0–5 Minutes – Safety & Scene

• Move to safety (if possible)
• Turn on hazards
• Check for injuries → Call 911
• Do NOT admit fault

Step 2: 5–15 Minutes – Exchange Info Collect from EVERY driver:

• Name, phone, address
• Driver license
• Insurance company + policy
• Vehicle make, model, plate
• Photos: damage, plates, scene, skid marks

Pro tip: Use your phone’s voice memo to record their statement.

Step 3: 15–60 Minutes – Police & Witnesses

• Call police for report (required >$1,000 damage in most states)
• Get officer name + report
• Ask witnesses for contact info

Step 4: Next 48 Hours – Notify Insurer

• Call your agent or 24/7 claims line
• Submit photos + police report
• Request rental car (if covered)
• Get repair shop recommendations

Step 5: Track Everything

Download Printable Checklist [Accident_Checklist.pdf]

FAQ

Q: Should I call my insurer if it’s minor? A: Yes—prevents “he said, she said” later.

Q: What if the other driver has no insurance? A: Your uninsured motorist (UM) coverage kicks in.

Need help filing? Our claims team is here 24/7.