What to do after an accident: A step-by-step guide

Why knowing what to do after an accident matters

Car accidents are stressful and can happen when you least expect them. Knowing the right steps to take can help you stay safe, avoid legal trouble, and make the insurance process smoother, whether it's a small fender bender or a serious crash.

Many drivers panic or forget key details in the moment, which can lead to problems later. That’s why it’s important to have a clear plan. Below, we’ll walk through exactly what to do if you’re involved in an accident. And if you ever need help understanding your coverage or what to do next, a Freshquote advisor is just a call away

Step 1: Check for injuries

The first and most important thing is to make sure everyone is okay. If you or anyone else is hurt, call 911 immediately. Even if the injuries seem minor, it’s better to get checked out by a medical professional. Some injuries, like whiplash, don’t show symptoms right away.

If no one is injured and it’s safe to do so, move on to the next steps.

Step 2: Move to a safe location

If your car is drivable and the accident is minor, move your vehicle to the side of the road to prevent further accidents. Turn on your hazard lights to alert other drivers. If the crash is more serious and you can’t move your car, stay inside with your seatbelt on until help arrives.

Standing in the road or walking between vehicles can be dangerous, so always stay aware of your surroundings.

Step 3: Call the police

Even for minor accidents, calling the police is a smart move. In many states, it’s legally required to report accidents that involve injuries or significant damage.

When the officer arrives, they will document the scene and create an official accident report. This report can be valuable when filing an insurance claim or dealing with legal issues. Be sure to ask for the officer’s name, badge number, and instructions on how to get a copy of the report.

Step 4: Exchange information with the other driver

After making sure everyone is safe, it’s time to gather key details. Get the other driver’s name, contact information, insurance company, and policy number. You’ll also want to note their license plate number, driver’s license number, and vehicle make and model.

If there are witnesses, ask for their contact information. Their statements could help if there are any disputes about what happened.

Step 5: Document the scene

A picture is worth a thousand words—especially when dealing with an insurance claim. Take clear photos of the damage to all vehicles involved, the surrounding area, traffic signs, and any injuries.

If possible, write down details of the accident while they’re fresh in your mind. Include the time, location, weather conditions, and anything unusual about the crash.

Step 6: Notify your Freshquote advisor or insurance provider

Once you have all the necessary details, contact your Freshquote advisor (click here to call) to review your coverage and discuss making a claim. They can connect you directly with your insurance company to report the accident and guide you through the claims process. If you prefer, you can also call your insurance provider directly to discuss next steps.

When speaking with your insurance company, stick to the facts. Avoid admitting fault, even if you think you may have caused the accident. Let the insurance adjusters and police determine responsibility.

Step 7: Understand your coverage

After an accident, many drivers realize they don’t fully understand their auto insurance coverage. Here are some key questions to consider:

• Do you have collision coverage to pay for your own car repairs?
• If the other driver is uninsured, does your policy cover damages?
• Will medical payments or personal injury protection help with hospital bills?

If you’re unsure about your coverage, this is a good time to review your policy with a Freshquote advisor.

What happens next?

Once your insurance claim is filed, the process of evaluating damages, handling repairs, and possibly dealing with legal matters begins. Stay in contact with your insurance provider and keep copies of all documents related to the accident.

If your vehicle needs repairs, you may have the option to choose your own repair shop or use one recommended by your insurer. Rental car coverage may also be available if your policy includes it.

Need better coverage? Let a Freshquote advisor help

A car accident is a wake-up call for many drivers. It’s a moment that makes people realize whether they have the right insurance coverage—or if they need something better.

Instead of struggling to compare policies on your own, let an insurance expert do the work for you. They can help you find the best protection for your needs and budget, so you’re never left unprepared.

Connect with an Expert today to review your options and make sure you have the right coverage for any situation.