At the scene
Make sure everyone is safe and call 911 if there are injuries. Move vehicles out of traffic if it is safe to do so. Exchange names, phone numbers, license plates, insurance carriers, and policy numbers with the other driver. Photograph the damage to all vehicles, the surrounding road, traffic signs, and any visible injuries. If there are witnesses, get their contact information.
Filing the claim
Notify your insurer as soon as possible — most policies require prompt reporting. Stick to factual statements about what happened. Do not speculate about fault. The claims adjuster will assign a claim number, schedule an inspection, and explain your rental car coverage if applicable.
Working with the adjuster
Get repair estimates from at least two reputable shops. You generally have the right to choose your own repair facility, regardless of what the insurer prefers. Keep copies of every document and a log of every conversation, including names and dates.
Key takeaways
- Document everything at the scene with photos and contact info.
- Report the claim quickly and stick to facts.
- You usually have the right to choose your own repair shop.
- Keep written records of every interaction with the insurer.
This article is for general educational purposes and is not legal, financial, or insurance advice. Consult a licensed professional for decisions specific to your situation.