What I wish my clients knew before their car collisions: a step-by-step guide

What I wish my clients knew before their car collisions: a step-by-step guide

It happens in an instant. One moment, you’re driving along enjoying your favorite tunes. The next, you’re suddenly stopped, shaken by the sudden impact of a collision. Do you know what to do next?

Many drivers think they do, but it’s often trickier than it seems. Shock and confusion can make it hard to take the right steps. Even if you aren’t disoriented, you might overlook important considerations–especially if you rely on word-of-mouth advice for dealing with insurance agents, medical providers, and the police. 

Knowing what to do after a motor vehicle collision is critical, and following the right steps will help ensure a smoother aftermath. Here’s a step-by-step guide to help you stay calm and on task:

1. Check for Injuries

First things first, make sure everyone is okay. Quickly check yourself and others involved. If anyone needs medical attention, call 911 right away. If no one is hurt, make sure you’re all safe and out of harm’s way.

2. Control the Scene

Before exchanging information, get to a safe place. If your vehicle is drivable, move it to the emergency lane. Turn on your hazard lights and set out warning cones or reflective triangles if you have them. Stay at the scene until emergency services arrive.

3. Call the Police and File a Report

No matter how minor the collision may seem, it’s important to call the police. They’ll document the incident, which can be crucial if there’s a liability claim later. If the police don’t come, you can file a report at a local police station or through your insurance company.

4. Keep Conversations at a Minimum

Talk only to the police. In shock, it’s easy to say something you might regret. Don’t admit fault, pressure witnesses, or speak angrily to the other driver. Stay polite but distant. If a bystander witnessed the collision, ask for their contact information.

5. Document and Exchange Information

Gather and share information with everyone involved, including any witnesses. Take pictures of the vehicles, the surrounding area, and any injuries. Use your phone if possible, but be mindful of appearing insensitive. Here’s what to collect:

  • Names and addresses
  • Email addresses
  • Vehicle information (makes, models, and years)
  • License plate numbers
  • Driver’s license numbers
  • Insurance carriers and policy numbers

6. Notify Your Insurance Company

Contact your insurance company as soon as possible to start your claim. Many think their rates will increase if they file a claim, but that’s not always true. Contacting them can speed up getting repairs and a rental car, and several companies have 24/7 hotlines for immediate assistance. Always keep proof of insurance in your car to make this process smoother. 

7. Get Appropriate Medical Care
In the days following a collision, you might experience physical injuries, headaches, and stiffness that weren’t immediately obvious at the scene. It’s crucial to seek appropriate medical care, even if you feel fine initially, as some injuries like whiplash or concussions can take time to manifest. Prompt medical attention not only ensures your well-being but also documents your condition, which can be vital if you later need to make an insurance claim or pursue legal action. Delaying treatment could worsen your injuries and complicate your case.

8. Get Appropriate Legal Advice

Most personal injury lawyers offer free consultations, so there’s no risk in asking for advice. Even if you don’t file a case, you’ll gain valuable information about handling your collision, protecting your rights, and understanding potential compensation. A lawyer can help you navigate complex insurance processes, avoid costly mistakes, and ensure you don’t settle for less than you deserve.

9. Focus  on Recovery

In the days following a collision, you might experience physical injuries, headaches, stiffness, or even PTSD and other mental effects. This is normal. Take time to recover and be kind to yourself. Follow up with your healthcare providers, and consider talking to a mental health professional. With time and care, both physical and mental effects can improve.

Conclusion

By following these steps, you can handle a car collision efficiently and safely. Keep this guide handy and share it with other drivers—it could make a big difference if you ever find yourself in an accident.

If you’ve been injured in a collision, Johnson Jensen is here for you when you’re ready. Call 317.785.7574 or fill out our online form here: https://johnsonjensen.com/contact.