In the chaos after an accident, it is easy to make mistakes that quietly damage your claim. This checklist protects both your health and your legal position.
At the scene
- Check for injuries and call 911 if anyone is hurt
- Move to safety but do not leave the scene
- Call the police and request a report
- Photograph everything — vehicles, damage, road conditions, injuries
- Exchange information but do not discuss fault
- Get contact details from witnesses
Never admit fault at the scene — not even "I'm sorry." Apologies can be used as admissions. Stick to exchanging information and documenting facts.
Within 24 hours
See a doctor — even if you feel fine
Adrenaline masks injuries. Whiplash, concussions, and soft-tissue damage often appear hours or days later. A prompt medical visit creates the documentation link between the accident and your injuries that your claim depends on.
Report to your insurer
Notify your own insurance company promptly, but stick to the facts. Do not speculate about fault or the extent of your injuries before you know.
Within 48 hours
- Write down everything you remember while it is fresh
- Keep all medical records and receipts
- Start a daily journal of pain and limitations
- Avoid giving recorded statements to the other insurer
- Consider consulting an attorney for serious injuries
What not to do
Do not post about the accident on social media — insurers monitor it. Do not accept a quick settlement offer before you know the full extent of your injuries. Do not sign anything from the other party's insurer without understanding it.
The case you build in the first 48 hours is the case you will be negotiating months later. Document everything.— Accident claim best practice
Once your medical picture is clearer, use our personal injury settlement calculator to estimate what your claim may be worth.