Millcorn · Perspective

What to Do After a Car Accident

The practical sequence after a collision — evidence, insurance, medical records and when to seek advice.

The key questions

  1. Safety and immediate assistance
  2. Keep a clear record
  3. Track correspondence and expenses
01

Safety and immediate assistance

Move away from immediate danger if you can do so safely, and contact emergency services when needed. Follow the instructions of responders. Health and safety come before documenting a claim.

02

Keep a clear record

Where safe and lawful, preserve photographs, the other parties’ contact and insurance details, witness information and any incident reference. Record what happened while the details are fresh, without speculating about responsibility.

A better decision starts with the whole picture.

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03

Track correspondence and expenses

Keep insurance notices, repair estimates, receipts and relevant records together. Notify the appropriate insurer in accordance with your policy and local requirements. Deadlines and procedures depend on the jurisdiction and circumstances.

04

Get advice before resolving disputed issues

If responsibility, coverage or the consequences are disputed, seek advice from an appropriately qualified professional. A release, settlement or statement can have consequences beyond the immediate payment.

General information for discussion with appropriately qualified professionals. The position depends on your circumstances, jurisdiction and current requirements.

Further reading

NAIC — Filing an auto claim ↗

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