The moments after a car accident are stressful and disorienting — but what you do can affect both your health and any future claim. Here's a practical checklist.

Safety and health first

Check for injuries and get to safety if you can. Call emergency services if anyone is hurt. Even if you feel fine, some injuries appear later, so seeking a medical check is wise — and it also documents your condition.

At the scene

  • Document everything: photos of vehicles, damage, the scene and road conditions.
  • Exchange information: names, contacts, insurance and vehicle details.
  • Get witnesses: note contact details of anyone who saw what happened.
  • Report it as required by local law or your insurer.
Be careful about admitting fault or apologizing at the scene. Stick to facts when speaking with others; fault is a legal determination based on evidence.

Afterward

Keep records of medical treatment, expenses and any time off work. Notify your insurer promptly. Be cautious about quick settlement offers before you understand the full extent of any injuries — early offers can undervalue a claim.

The bottom line

Prioritize health, document thoroughly, exchange information, avoid admitting fault, and keep records. These steps protect both your wellbeing and your options.

General information only, not legal advice. After a serious accident, consider consulting a qualified lawyer.