Start with safety and medical needs
Call emergency services when someone is hurt or there is an immediate danger. If it is safe and local rules permit, move vehicles out of traffic. Seek medical attention for injuries and follow the advice of your treating professionals. The legal paperwork can wait until immediate safety needs are addressed.
Record the scene without guessing about fault
Exchange names, contact details, vehicle information, and insurance information. Photograph vehicle positions, visible damage, road conditions, signs, and any injuries you can document appropriately. Note the time, location, witnesses, and any responding agency or report number. Avoid filling gaps in memory with assumptions.
Notify the appropriate insurer
Review your policy for notice and claim requirements. When you contact an insurer, keep a record of the claim number, adjuster, dates, and documents supplied. Coverage depends on the policy and the law of the state involved. Ask for an explanation if you do not understand a request, recorded statement, or proposed release.
Keep the evidence together
Save the report number, photos, repair estimates, medical records, bills, work absence records, receipts, and communications. Keep copies of the original files and note where each came from. An organized timeline makes it easier to explain what happened and what losses you can document.
Get a local answer about timing
Filing periods, insurance notice duties, and special rules for claims involving public entities can differ. A general guide cannot calculate your deadline. If injuries, fault, insurance coverage, or a proposed settlement are disputed, ask a qualified lawyer in the relevant state to assess the facts promptly.