What to Do After a Car Accident: Step by Step

By Daniel Moreau · Published Oct 18, 2026 · 6 min read

In this guide

Make the scene safe
Exchange information
Document everything
Be careful what you say
Report it

Even a minor collision is stressful. In the moment, it is easy to forget key steps that matter later.

Keeping a checklist in your glovebox or phone helps.

Make the scene safe

Stop, turn on hazard lights, and check for injuries. Call emergency services if anyone is hurt or the road is blocked. Move to safety if possible.

Exchange information

Names, phone numbers, and addresses of other drivers
Insurance details and policy numbers
Vehicle registration numbers, makes, and models
Names and contact details of witnesses

Document everything

Photograph the vehicles, damage, road conditions, signs, and the wider scene. Note the time and location.

Be careful what you say

Be polite and cooperative, but avoid discussing fault at the scene. Let insurers and, if necessary, police determine responsibility.

Report it

Notify your insurer promptly, even if you do not plan to claim — most policies require you to report accidents. Check local rules on reporting accidents to police.

This is general insurance information, not legal, financial, or insurance advice. Coverage depends on your specific policy, insurer, and jurisdiction. Read your policy documents and speak with a licensed insurance agent or broker before making decisions.

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