In an Accident? What Should You Do?
*Updated October 12th, 2025
According to a survey by a British auto insurance firm, up to 45% of commercial van drivers don’t exchange the required information when they’re in an accident, whether it’s serious or not.
Here in the United States, the statistics may not be quite as alarming, but a significant number of drivers have found themselves sitting behind the wheel after a minor car bump wondering—should I report this fender bender?
The answer, unsurprisingly, is yes. Why? Because if you don’t, you leave yourself open to a lawsuit, an insurance claim dispute, or other financial repercussions.
If you are involved in an accident, even if it’s minor, here are the steps to take:
1. Stay Calm and Assess the Accident Scene
First and foremost, stay calm. Take a deep breath and make sure everyone in your vehicle is safe. If anyone is injured, call 911 right away and request an ambulance if needed. Remaining composed will help you think clearly and follow the right accident checklist.
If it’s a minor car accident, check if your vehicle is drivable. If both vehicles involved can be safely moved, relocate them away from the scene and out of the flow of traffic. Use hazard lights or cones to alert other drivers.
2. Report the Accident and Call the Police
Even if it seems like a small fender bender, it’s smart to call the police. The responding officers can help document the scene of the accident and determine who’s at fault. In some states, filing a police report is required by law, especially if there’s property damage or personal injury.
When the officers come to the scene, ask how you can get a copy of the police report. This document will help when you file a claim with your insurance company or car insurance company later.
3. Exchange Driver and Insurance Information
Exchange insurance information with the other driver as soon as possible. This includes their driver’s license number, license plate, phone number, address, and insurance company name. Be sure to share your own insurance company and policy number as well.
If there are witnesses, ask for their contact information. Their statements can help if the driver was at fault is disputed.
4. Document the Accident Scene
Use your cellphone or camera to take pictures of all vehicles involved, any visible vehicle damage, license plates, and the surrounding accident scene. These images serve as crucial evidence for your insurance claim.
If your auto is towed, get the tow truck company’s name and location so you know where to pick up your vehicle or repair it later.
5. Notify Your Insurance Company and File a Claim
Report the accident to your insurance company as soon as possible. Provide all necessary details, including your policy number, photos, and the police report if available. When you file a claim, your insurer will guide you through the claim process and help determine coverage for collision or comprehensive damages based on your insurance policy.
If your vehicle needs repair, your auto insurance may recommend an approved body shop or provide a repair estimate. Depending on your type of coverage, your policy may also include a rental car benefit while your vehicle is in the shop.
6. Understand Coverage and Next Steps
Your auto policy or car insurance coverage determines how much you’ll pay out of pocket, including your deductible. Coverage may vary depending on whether you’re dealing with an uninsured motorist, underinsured driver, or driver’s insurance company.
If the accident occurred on private property or involved another car from out of state, check local jurisdiction rules or department of motor vehicles (DMV) requirements for notification and follow-up.
After completing the checklist, get any necessary medical attention and keep records of medical bills or medical payments. Once your vehicle is repaired and you’re back on the road, review your auto insurance policy to make sure you have the right coverage in case of future auto accidents.
Final Thoughts
Being involved in a car accident can be stressful, but knowing the right steps to take will help you protect yourself legally and financially. Whether it’s a minor car collision or a major car crash, staying organized and following this accident checklist ensures your insurance claim is handled smoothly—so you can get your vehicle repaired and safely back on the road.