The moments after a car accident are stressful and often confusing. What you do — and don't do — in those first hours can significantly affect any subsequent insurance claim or legal action.
At the Scene
Check for injuries first. Call emergency services if anyone is hurt. Exchange names, licence numbers, registration details, and insurance information with all other drivers. Take photos of the vehicles, road conditions, and any visible injuries. If there are witnesses, get their contact details.
Do Not Admit Fault
Even a casual apology can be used as an admission of liability. Stick to factual statements with police and the other party. Let insurers and lawyers determine liability based on evidence.
Notify Your Insurer Promptly
Most policies require you to notify your insurer within a specific timeframe — often 24–48 hours. Failure to do so can affect your coverage. Provide factual information only.
Seek Medical Attention
Some injuries, particularly whiplash and soft tissue damage, are not immediately apparent. See a doctor within 24 hours, and keep records of all treatment. Medical records are critical evidence in personal injury claims.
When to Contact a Lawyer
If you suffered injuries, if fault is disputed, or if the other party was uninsured, contact a personal injury lawyer before making any further statements to insurers. Most personal injury lawyers — including our team — offer free initial consultations.
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