1. Ensure Everyone’s Safety First
Call 911 if there are injuries.
Move to a safe location if possible.
Seek medical attention even if injuries seem minor.
2. Call the Police and Get a Report
Request a police officer at the scene.
Ask for the police report number or a copy of the report.
This document will be essential for your insurance claim.
3. Collect Key Evidence at the Scene
Gather as much information as possible:
Other driver’s information: name, phone number, license number, insurance details.
Photos: vehicle damage, license plates, injuries, the scene, road signs, skid marks.
Witness statements: Get names and contact info.
4. Notify Your Insurance Company
Call or use your insurance app to start the claim. Be ready to provide:
Time and location of the accident
Police report info
Photos and evidence
A clear, factual description of what happened
Tip: Stick to the facts. Avoid admitting fault.
5. File the Claim
Depending on who is at fault and your insurance coverage:
File a first-party claim with your own insurer for damages/injuries.
File a third-party claim with the at-fault driver’s insurer if they caused the accident.
Your insurer or their representative will guide you through:
Damage assessment
Medical treatment claims
Vehicle repair process
Compensation for lost wages (if applicable)
6. Cooperate with the Insurance Adjuster
The adjuster may:
Inspect your vehicle
Request medical reports
Ask for a recorded statement (you can decline or have a lawyer present)
7. Review the Settlement Offer
Once the insurer evaluates the claim, they’ll make a settlement offer:
You can accept it and finalize the claim
Or negotiate if you believe it's too low (especially for injuries or long-term effects)
8. Consider Speaking to a Lawyer (If Necessary)
You should consult a personal injury lawyer if:
You're seriously injured
The insurance company denies or delays your claim
The other driver was uninsured or underinsured
You’re unsure of your rights or the value of your claim
⚖️ What If the Other Driver Was Uninsured?
If you live in a no-fault state (like New York), your own insurance (PIP) may cover medical expenses. Otherwise, you may need to rely on:
Uninsured Motorist (UM) coverage
Health insurance
Legal action
? How Long Do You Have to File a Claim?
Insurance companies usually require prompt reporting (within 24–72 hours).
Legal statute of limitations varies by state (e.g., in New York, you have 3 years to file a lawsuit for damages).
? Tips to Maximize Your Claim
Keep detailed medical records
Save receipts (towing, repairs, medication, etc.)
Follow all medical advice
Don’t post accident details on social media
