The minutes after a crash are confusing. This checklist is general information, not legal advice for your situation. If anyone is hurt, call 911 first.
At the scene
- Move to safety if you can and call 911. Ask for medical help for anyone who needs it.
- Exchange names, phone numbers, insurance details and license plate numbers.
- Take photos of the vehicles, the road, signs, signals and any injuries.
- Get names and numbers of witnesses.
- Be polite, but do not argue about fault or apologize at the scene.
In the next few days
- See a doctor even if you feel okay. Adrenaline hides pain, and a gap in treatment can be used against you later.
- Report the crash to your own insurer. Stick to basic facts.
- If anyone was injured or damage exceeded $1,000, ask whether a DMV report (SR-1) is required. It is generally due within 10 days.
- Keep records: medical bills, missed work, repair estimates and a short daily note of symptoms.
Be careful with the other insurer
The other driver's insurance adjuster may call quickly and ask for a recorded statement. You are generally not required to give one, and what you say can be used to reduce or deny your claim. Consider speaking with a lawyer first.
When to call a lawyer
If you were hurt, if fault is disputed, or if an insurer is pressuring you to settle, a free consultation costs nothing and can protect your options.
Published October 1, 2026. General information, not legal advice. Laws change, and every case is different. Attorney advertising.