Secure the Scene
ImmediateMove to safety if possible, turn on hazards, call 911 if injuries or major damage. Do not admit fault or discuss blame at the scene.
Field context
This workflow is part of 2 niche fields
Free step-by-step car accident procedures for all drivers. Plan car accident procedures with calculators and checklists covering secure the scene, document.
Move to safety if possible, turn on hazards, call 911 if injuries or major damage. Do not admit fault or discuss blame at the scene.
Photograph all vehicle damage, license plates, insurance cards, driver's licenses, and scene from multiple angles. Get witness contact info.
Contact your insurer within 24-48 hours. Provide photos, police report, and other driver's insurance info. Understand your deductible and rental coverage.
Get repair estimates from insurer-approved shops, monitor medical symptoms for 72 hours post-accident, and track all expenses for reimbursement.
Review coverage limits, deductible, and rental benefits before an accident occurs.
Plan for deductible payment and track accident-related expenses. · Track medical bills, rental costs, and out-of-pocket expenses.
Budget post-repair maintenance if vehicle was significantly damaged.
Total cost = deductible + rental gap days × daily rate + medical copays − other party recovery. Track all receipts within 30 days.
Say "I'm checking if everyone is okay" — not "I'm sorry." Fault admission can be used against you regardless of actual circumstances.
Review deductible, rental, and uninsured motorist coverage before an accident — not during the stress of one.
Insurers may offer quick low settlements before full injury extent is known — consult an attorney for injury accidents.