The first 10 minutes after a crash are critical. The adrenaline is pumping, and it's easy to make mistakes that can destroy your injury claim later. Here is exactly what you need to do to protect yourself.
1. Stop and Ensure Safety
Never drive away from the scene of an accident, even a minor one. Stop your vehicle as soon as it is safe to do so. Turn on your hazard lights. If anyone is injured, call 911 immediately.
2. Call the Police
Even if the other driver says "let's just handle this between us," always call the police. You need an official police report to file an insurance claim. Without it, it's just your word against theirs.
3. Document Everything
While waiting for the police, use your phone to take pictures of:
- Vehicle damage (all angles)
- Skid marks or debris on the road
- Traffic signs and signals
- The other driver's license and insurance card
4. Never Admit Fault
Be polite, but do not apologize. Saying "I'm sorry" can be used against you as an admission of guilt. Stick to the facts when talking to the police.
5. Seek Medical Attention Immediately
Many injuries, like whiplash or internal bleeding, don't show symptoms immediately due to adrenaline. Go to an urgent care or ER right away. This creates a medical record linking your injury to the accident.
