What to do in the first 24 hours after a car accident

The hours after a crash are confusing. You may be hurt, shaken and on the phone with people you have never met. This is the short version, in the order that tends to matter most.

1. Check for injuries and call 911

Your health comes first. Call 911 if anyone is hurt, even if it seems minor. Some injuries do not hurt right away, and a police report made at the scene helps later.

2. Get to a safe spot and stay at the scene

If you can, move out of traffic and turn on your hazard lights. Leaving the scene can create legal trouble of its own, so stay until police say you can go.

3. Document everything

Photograph the vehicles, the road, any skid marks and your injuries. Get names and contact details for the other driver and any witnesses, plus insurance information and plate numbers.

4. See a doctor, even if you feel fine

Some injuries, like whiplash, show up a day or two later. A prompt medical visit protects your health and starts a record close to the date of the crash.

5. Be careful with the other insurer

The other driver's insurer may call quickly and ask for a recorded statement. You are generally not required to give one right away. It is reasonable to say you are still getting medical care and will follow up.

6. Tell your own insurer

Most policies require prompt notice. Stick to the facts you know and skip guesses about fault or injuries.

This guide is general information, not legal advice. Rules differ by state.

Sources

• Triple-I (Insurance Information Institute), What to do at the scene of an accident
• Federal Highway Administration, Sampling of Example Language from State Driver Manuals
• MedlinePlus, National Library of Medicine, Whiplash
• Triple-I (Insurance Information Institute), How to file an auto insurance claim