Accidents happen, even to the best of drivers. The experience can be stressful and overwhelming, but knowing what to do in the moments after a car accident can make a huge difference. One of the most important steps is filing an accurate and timely accident report. This guide walks you through everything you need to know about reporting a car accident—from what details to gather at the scene to who to contact and how to make sure your report is complete.

Let’s get into it!

1. Stay Calm and Check for Injuries

The first thing to remember after any accident is to stay as calm as possible. Take a deep breath, assess the situation, and check yourself and others for any injuries. If anyone is seriously injured, immediately call emergency services. Even if injuries don’t seem severe, it’s still a good idea to seek medical attention—some injuries may not be apparent right away.

2. Move to a Safe Area (If Possible)

If the accident is minor and it’s safe to do so, try to move your vehicle to the side of the road to avoid blocking traffic. Turn on your hazard lights to alert other drivers. However, if the accident is more serious or if you’re on a busy road, it’s better to leave the vehicles as they are until authorities arrive

3. Call the Police

In many places, filing a police report is required if there is any injury, significant damage, or if the accident involves more than two vehicles. Even if the accident seems minor, calling the police can still be beneficial, as the official report can help if there’s any dispute with insurance claims later on. When the police arrive, they will document the scene and gather information from all parties involved. Make sure to get the name and badge number of the responding officers for your records.

4. Gather Information from All Parties Involved

While waiting for the police, or after they’ve completed their report, it’s essential to gather as much information as you can. Here’s a checklist of what you should collect:

• Driver and Passenger Information: Full names, phone numbers, and addresses of all parties involved.
• License Plate Numbers: Take down the license plate numbers of all vehicles involved.
• Insurance Information: Exchange insurance details, including company names, policy numbers, and contact information.
• Vehicle Descriptions: Make a note of each vehicle’s make, model, color, and year.
• Witness Information: If there are any witnesses, politely ask for their names and contact information. Witness statements can be very helpful in supporting your account of the accident.

Pro Tip: Take photos of the other driver’s license and insurance card (with their permission) to ensure accuracy.

5. Document the Scene with Photos and Videos

Use your phone to take as many pictures and videos of the accident scene as possible. These can provide invaluable evidence if there’s a dispute about what happened. Here’s what to capture:

• All Vehicles Involved: Take photos of the entire scene and close-ups of each vehicle from multiple angles.
• Damage: Focus on areas of visible damage on your car and the other vehicles.
• Surrounding Area: Capture photos of road conditions, skid marks, road signs, traffic signals, and any debris.
• License Plates and VINs: Photograph each vehicle’s license plate and VIN (Vehicle Identification Number), which is often visible on the dashboard.

Visual evidence can be crucial for insurance claims and to accurately represent the accident’s circumstances.

6. Write Down Your Own Account of the Incident

While it’s fresh in your memory, write down a clear and concise account of what happened before, during, and after the accident. Include details such as:

• Weather and Road Conditions: Was it raining? Were the roads slippery?
• Location and Time: The exact location, time of day, and any landmarks.
• Events Leading Up to the Collision: Describe what you remember leading up to the accident, such as whether you were stopped at a light or merging into traffic.

A clear account can help avoid confusion if the accident details are questioned later.

7. File an Accident Report with the DMV or Local Authorities

In many places, if the accident involves injuries or significant damage, you are required to file a report with the Department of Motor Vehicles (DMV) or similar local authority within a certain time frame (typically 24-72 hours). This is separate from the police report. Check your local laws to be sure you’re meeting all reporting requirements.

Note: Filing a report with the DMV can be necessary even if the police filed a report at the scene. Failing to do so might result in penalties or issues with your insurance claim.

8. Notify Your Insurance Company Immediately

Contact your insurance provider as soon as possible after the accident. Many insurers have 24/7 hotlines specifically for accident reporting. When you call, be ready to provide the following details:

• Date, Time, and Location of the Accident
• Description of What Happened
• Names and Contact Information of All Parties Involved
• Police Report Number (if available)

The sooner you contact your insurance, the quicker they can start processing your claim. Avoid admitting fault or placing blame when talking to the insurance company—just stick to the facts.

9. Keep All Your Records Organized

Maintaining an organized file of all accident-related documents is essential. Include copies of:

• Police Report and DMV Report (if filed)
• Photos and Videos from the Scene
• Contact Information for All Parties and Witnesses
• Medical Bills or Reports (if applicable)
• Correspondence with Your Insurance Company

An organized record can simplify the claims process and is useful if any disputes arise.

10. Seek Medical Attention if Needed

Even if you feel fine immediately after the accident, it’s wise to visit a doctor to check for hidden injuries. Whiplash, for example, is a common injury in car accidents that may not show symptoms right away. Having medical documentation can also help if you need to make a personal injury claim later on.

11. Follow Up on Your Claim

Once your insurance claim is filed, stay in touch with your insurance adjuster. They might need additional information, or there could be updates on the status of your claim. Don’t hesitate to ask questions if you’re unsure about any part of the process. The more you stay involved, the smoother your claim experience will be.

Being involved in a car accident is never pleasant, but knowing how to file a car accident report and manage the aftermath can make it less stressful. By following these steps, you’re setting yourself up for a smoother claims process, ensuring you’re meeting legal obligations, and protecting your rights.

Remember, accidents happen, but being prepared makes all the difference. Stay safe out there, and drive carefully!