What to do after a car accident

Last updated: November 12, 2026

The minutes after a crash are stressful. This checklist covers what to do at the scene and how to start an insurance claim.

At the scene

1. Check for injuries and call 911 if anyone is hurt. Get to a safe spot if you can, and turn on your hazard lights.
2. Call the police if your state requires it or if there's significant damage. A police report helps your claim.
3. Exchange information with the other driver: name, phone, insurance company, policy number, license plate and driver's license number.
4. Take photos of every vehicle, the damage, the scene, road conditions and the other driver's license plate.
5. Get witness contact details if anyone saw what happened.
6. Don't argue about fault. Stick to the facts. Let the insurance companies sort out who's responsible.

After you leave

1. Get checked by a doctor if you feel any pain, even if it seems minor. Some injuries show up later.
2. Tell your insurance company soon. Most policies require prompt notice, even if you weren't at fault.
3. File a claim with the at-fault driver's insurer, your own, or both, depending on what happened and your coverage.
4. Keep records of medical bills, repair estimates, rental car costs and every conversation with an adjuster.

Will your rate go up?

An at-fault accident usually raises your premium at renewal, often for three to five years. A not-at-fault accident usually has less effect, though insurers handle it differently. If your price jumps after an accident, it's worth comparing quotes, since some companies penalize accidents less than others.

Compare car insurance options in your area → It takes about 2 minutes, and we never ask for your name, phone number or email.

DriveCheaper may be paid by companies shown on this site. How we make money. This guide is general information, not insurance advice. Check details with your insurer or your state's insurance department.