What to do after a motor vehicle collision:
- Immediately call 911. If there are serious injuries, request that an ambulance be dispatched to the scene.
- Exchange insurance information and personal information with the other driver(s) and witnesses.
- While still at the scene, take photos of all vehicles involved (if possible) including your vehicle, regardless of the condition of each vehicle.
Remember to take pictures of the inside of your vehicle too; not all damage to the vehicle may be visible from the outside.
- Take photos of your injuries. Swelling and bruises may not be apparent until a few hours after the collision.
- Seek medical treatment immediately.
If there is a lapse between the date of the collision and your first medical treatment session, it complicates the viability of your claim,
making it harder to connect your injuries to the collision. The insurance company will use the lapse in treatment to their favor when evaluating your claim.
- Follow your medical provider's treatment instructions including prescriptions and home care for your injuries.
- Notify your insurance carrier of the collision.
What NOT to do after a motor vehicle collision:
- Never apologize for the accident. The at-fault party may take advantage of your apology and use it against you as an admission of liability.
- Unless you are severely injured,
do not leave the scene until the police have been fully informed of the details of the collision and have all information needed to complete a crash report.
- Do not agree to a recorded statement with any insurance company until you have consulted with an attorney.
Do not voluntarily express to the insurance adjuster how you are feeling.
If asked how you are feeling, inform them you do not want to discuss your injuries until you have spoken with an attorney.
The only information the insurance company needs up front is the date, time, location of collision and parties to the accident.
All other pertinent information can be provided at a later date.
Do NOT provide your social security number or driver's license number to the insurance company - this information can be released at a later date.