Car Accident Checklist
You or a family member has been in a vehicle accident.
8 expert-curated steps · Organized by urgency · Free preview below
What most people ask first
What should I do right now?
How does the insurance process work?
Do I need a lawyer?
Understand what your auto insurance actually covers
Most people don't know what they're paying for until they need it. Review your policy now — not after an accident.
Why this matters: The wrong coverage can cost you tens of thousands out of pocket. The right coverage costs surprisingly little more.
Keep an accident kit in your car
When an accident happens, you'll be shaken and disoriented. Having everything ready prevents mistakes.
Why this matters: The decisions you make at the accident scene directly affect your insurance claim and any legal case. Preparation prevents costly errors.
What to do at the scene of the accident
Safety first. Call 911. Exchange information. Document everything. Never admit fault.
Why this matters: What you do in the first 30 minutes shapes everything that follows — your insurance claim, any legal case, and your medical treatment.
File your insurance claim within 24 hours
Call your insurance company promptly. Provide facts, not opinions. Let them guide the process.
Why this matters: Delays in filing can complicate your claim. Your insurer is your advocate — but only if you file promptly and accurately.
Get medical attention even if you feel fine
Adrenaline masks pain. Many injuries don't show symptoms for 24-72 hours. Get checked by a doctor the same day.
Why this matters: Delayed treatment makes injuries worse AND weakens your insurance claim. Documentation within 24 hours is critical.
3 more steps available
Create a free NowWhat account to unlock the full 8-step checklist, track your progress, assign tasks to family members, and get “Questions to Ask” guidance for each step.
Unlock full checklist — freeNo credit card required