What to do after an accident
Accidents are stressful, and the minutes after one are the worst time to figure things out from scratch. Here's the calm version — what matters, in order.
Get safe first
Check yourself and passengers for injuries. If the cars are drivable and it's safe, move them out of traffic and turn on hazard lights. If anyone is hurt or the scene is dangerous, call 911 immediately.
Call the police if needed
For injuries, significant damage, or a dispute about what happened, a police report protects you. Requirements vary by state — when in doubt, call the non-emergency line and ask.
Exchange information
Name, phone, insurance company and policy number, license plate, and vehicle make/model of every driver involved. Don't discuss fault at the scene — just gather facts.
Photograph everything
All four corners of every vehicle, close-ups of the damage, the wider scene, skid marks, street signs. More photos than you think you need — they'll matter for the claim and for your estimate.
Notify your insurer
Report the accident promptly — most policies require it. You'll get a claim number; keep it handy. You do not have to accept the first repair shop they suggest (see step 6).
Choose your repair shop — it's your right
In all 50 states, the choice of repair shop is yours, not your insurer's. Pick a shop you trust, then tell your insurer where the car is going. Read more about your right to choose →
Request an estimate without leaving home
Describe what happened, add your photos from step 4, and include your claim number if you have one. You may also select affected panels if you recognize them. An experienced estimator reviews the request before recommending the next step.
This guide is general information, not legal or insurance advice. Your policy and your state's rules control the specifics.