What to do after a car accident

The first hours, in order

Start with what you can do safely. Ask someone you trust to help with the rest.

1. 01

   Check for injuries

   Call 911 if anyone is hurt. Follow the dispatcher’s instructions. Do not move someone with a suspected head or neck injury unless they are in immediate danger.

2. 02

   Move out of traffic when it is safe

   If the car can be driven and you can move it safely, get out of the traffic lane. Your safety comes before photographs or paperwork.

3. 03

   Ask about a police report

   Get the attending officer’s name and report number. If no officer attends, ask the local police how to report the crash and whether a report is required.

4. 04

   Record the scene safely

   Photograph vehicle damage, plates and road conditions without stepping into traffic. Note the time, location and weather.

5. 05

   Exchange the details

   Collect the other driver’s contact and insurance information, plus their vehicle details. Give them yours. Describe what you know without guessing who was at fault.

6. 06

   Get witness contact details

   Ask witnesses for their names and a way to reach them. Keep those details with your accident notes.

7. 07

   Get medical help when you need it

   Some concussion symptoms appear hours or days after an injury. A worsening headache, repeated vomiting, seizures, weakness, slurred speech or difficulty waking need emergency care. For other symptoms or concerns, contact a healthcare professional and explain that you were in a crash.

8. 08

   Notify your insurer

   Report the accident promptly. Check your policy and ask what information is needed. Keep notes of conversations and request written explanations of decisions you do not understand.

9. 09

   Keep your records together

   Save the report number, photographs, receipts, treatment records and repair estimates. Note any work you miss and expenses you pay. A folder on your phone is a useful place to start.

Four things to be careful about

Keep your answers factual and ask for an explanation when something is unclear.

1. Avoid guessing about fault

   Give an accurate account of what you remember. Say when you do not know. An attorney can explain how the fault rules apply to the evidence.

2. Understand requests for a statement

   Ask who is calling, which insurer they represent and whether the call is recorded. Your own policy may require cooperation. If you are unsure what is required, seek advice before giving a detailed statement.

3. Read before accepting a settlement

   Ask what the payment covers and whether accepting it releases further claims. Get advice if you do not understand the terms or your treatment needs are still uncertain.

4. Keep private details private

   Avoid sharing medical records, claim numbers or other people’s contact details publicly. Save your accident records somewhere you can find them.

How long you have

Filing deadlines depend on the state, the type of claim and the parties involved. Texas generally allows two years for personal injury claims under § 16.003, but exceptions and shorter notice requirements can apply. Ask an attorney about the deadline for your circumstances. A review request does not file a claim or stop a deadline from running.