Take Charge After an Auto Accident: A Guide to Protecting Yourself

Take Charge After an Auto Accident: A Guide to Protecting Yourself
An automobile accident can be a life-altering event. In the aftermath of a collision, you may be facing a whirlwind of medical bills, car repairs, and insurance claims. It’s important to know what steps to take to protect yourself and your rights.
- Assess Injuries:
The first priority after an accident is to check for injuries. If you or anyone else involved in the accident is injured, call 911 immediately. Even if you don’t feel injured, it’s important to get checked out by a doctor, as some injuries may not be immediately apparent.
- Contact the Authorities:
In most states, you are required to report any accident that results in injuries, property damage, or fatalities to the police. The police will investigate the accident and file a report, which can be helpful in any insurance claims or legal proceedings.
- Document the Scene:
Take photographs of the accident scene, including the damage to your vehicle and any other vehicles involved. If possible, take pictures of the surrounding area, such as traffic signs, road markings, and any other relevant details.
- Collect Information:
Exchange contact information with the other driver(s) involved in the accident. If there are any witnesses, ask for their names and contact information as well.
- Notify Your Insurance Company:
Even if you don’t think you’ll be filing a claim, it’s important to notify your insurance company of the accident. They may have some advice for you, and they’ll want to be aware of the situation in case a claim is filed later.
- Keep a Record:
Keep a record of everything related to the accident, including medical bills, repair estimates, lost wages, and any other expenses you incur. This information will be helpful if you decide to file an insurance claim or pursue legal action.
Additional Tips:
- Be polite and cooperative with the police and other drivers involved in the accident.
- Avoid admitting fault at the scene of the accident.
- Do not discuss the accident with anyone other than your insurance company and your attorney.
- If you are injured, seek medical attention as soon as possible.
- Follow your doctor’s treatment plan.
- Keep track of all medical bills and other expenses related to the accident.
- If you have any questions, consult with an attorney.
An automobile accident can be a traumatic and stressful experience. By following these steps, you can protect yourself and your rights in the aftermath of an accident.
Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder
Search All Blogs
Search All Blogs
Read More Blogs
The Mid-January Check-Up: Why Scheduling Your Life Insurance Exam Now Locks in the Best Rate
Don’t delay the exam! Schedule your Life Insurance paramedical exam in mid-January to lock in your best rate and complete your application process quickly.
Used Car, New Coverage: Insuring Your Post-Holiday Vehicle Purchase in January
Just bought a used car? Don’t forget to update the VIN, transfer your coverage, and check if you need higher Medical Payments limits.
The Mid-Winter Meltdown: Protecting Your Home from Aging Furnace and Water Heater Failure
Mid-January system failure is costly. Learn why standard home insurance doesn’t cover your broken furnace and why you need an Equipment Breakdown endorsement now.
The Great Indoor Escape: Launching Your Mid-January Reading Challenge
Swap the screen for a spine! How to launch a simple, rewarding mid-January reading challenge to improve focus and beat the winter blues.
Cyber Traps of Tax Season: Securing Your Business Data with Cyber Insurance
Tax season is phishing season. Protect your sensitive financial data and employee W-2s with robust Cyber Insurance coverage against targeted tax fraud.
Tax Season Lifeline: Why January is the Time to Secure Estate Liquidity with Life Insurance
Tax season is here. Use Life Insurance to create tax-free liquidity for your estate and protect your family business from forced asset sales.
The Debt-Deductible Dilemma: Aligning Your Auto Policy with Post-Holiday Finances
Did holiday spending deplete your savings? Reconsider high auto deductibles—you might not be able to afford the out-of-pocket cost if you have an accident now.
Deep Freeze Defense: Essential Home Insurance Prep for January’s Peak Winter Storms
Don’t wait for the blizzard. A mid-January guide to using your Home Insurance to protect against peak winter storm damage, from ice dams to power outages.
Sparks in the Dark: The Shocking Science (and Solutions) of National Static Electricity Day
Why does everything zap you in January? Celebrate National Static Electricity Day by learning the science of the “winter spark” and how to stay grounded.
The Digital Clean Slate: Securing Your Business Cyber Insurance
Digital organization is key. An audit of your cyber policy and MFA security measures is vital to meet 2026 insurance requirements and lower premiums.