36. What should I do immediately after an accident?

Right after a crash, your brain is flooded with adrenaline and it’s hard to think clearly. The steps that matter most are the ones that protect your safety, your health, and your ability to get help later. You don’t need to do everything perfectly — just focus on the essentials.

1. Check for injuries

Your safety comes first.

• Make sure you and any passengers are okay.

If anyone is hurt or you’re unsure, call 911 immediately.

• Even seemingly minor symptoms can signal something more serious.

2. Move to a safe location

If the vehicles are drivable and it’s safe to do so, move to the shoulder or a nearby parking lot.

If not, stay inside your vehicle with your seatbelt on until help arrives.

3. Call the police

A police response creates the official crash report — the document that unlocks insurance coverage, compensation options, and many forms of assistance.

Even for minor crashes, having a report protects you later.

4. Exchange information

If you’re able:

• Names

• Phone numbers

• Insurance details

• License plate numbers

If you’re too shaken or injured to gather this, don’t worry — the crash report will contain it.

5. Document the scene (only if safe)

Photos of:

• Vehicle damage

• Road conditions

• Skid marks

• Traffic signs

• Injuries

These help with insurance and claims later, but they’re optional if you’re not in a condition to take them.

6. Seek medical attention

Even if you feel “fine,” crash‑related injuries often show up hours or days later.

A medical evaluation protects your health and creates documentation you may need for insurance or compensation.

7. Notify your insurance company

You don’t have to give a detailed statement right away — just report that a crash occurred.

An advocate can help you understand what to say and what to avoid.