Crash Checklist

Right now, at the scene

Safety first, paperwork second.

• Check yourself and passengers for injuries
• Call 911 if anyone is hurt, or if you are unsure
• Move to safety if the car is drivable and it is safe to do so; otherwise stay belted with hazards on
• Set up warning triangles or flares if you have them
• Do not stand between vehicles or in traffic lanes

Document everything

Photos and notes now prevent disputes later.

• Photograph all vehicles, damage, license plates, and the surrounding scene
• Photograph skid marks, debris, and road conditions
• Exchange names, phone numbers, addresses, insurance companies, and policy numbers
• Get the other driver's license number and vehicle make/model/color
• Collect names and phone numbers of witnesses
• Note the date, time, location, weather, and lighting
• Get the police report number and responding officer's name/badge if police respond

What not to do

• Do not admit fault or apologize in a way that assigns blame - stick to facts
• Do not discuss the crash on social media
• Do not leave the scene before exchanging information (in most states this is illegal)
• Do not accept cash or settle privately at the roadside

In the next 24-72 hours

• See a doctor even if you feel fine - some injuries appear days later
• Notify your insurance company and start a claim
• Request the police report
• Keep all receipts: towing, rental, medical, repairs
• Track symptoms in a daily note (headaches, pain, sleep)
• Watch your repair estimate against the adjuster's appraisal