What to Do Immediately After a Car Accident (Step-by-Step Guide)

A car accident can happen in seconds — but what you do in the minutes afterward can make a big difference for your safety, your insurance claim, and your financial protection.

If you’ve ever wondered what to do after a car accident, this step-by-step guide will walk you through exactly what to do — and what to avoid.

Step 1: Check for Injuries First

Your safety is the top priority.

• Check yourself and passengers for injuries.

• Call 911 immediately if anyone is hurt.

• Do not move seriously injured individuals unless there is immediate danger (like fire).

Even minor pain should be taken seriously. Some injuries (like whiplash or internal injuries) may not show symptoms right away.

Step 2: Move to a Safe Location

If the vehicles are drivable and it’s safe to do so:

• Move your car out of traffic.

• Turn on hazard lights.

• Use cones or warning triangles if available.

If the car cannot be moved, stay inside with your seatbelt fastened until help arrives (unless staying inside is unsafe).

Step 3: Call the Police

In many states, you are required to report accidents involving:

• Injuries

• Significant property damage

• Hit-and-run incidents

Even if the accident seems minor, a police report provides official documentation that can protect you during the insurance claims process.

Ask the responding officer how to obtain a copy of the report.

Step 4: Exchange Information

Gather the following from the other driver:

• Full name and contact information

• Insurance company and policy number

• Driver’s license number

• License plate number

• Vehicle make and model

Avoid discussing fault at the scene. Stick to exchanging information only.

Step 5: Document Everything

Use your phone to take clear photos of:

• All vehicle damage

• License plates

• The accident scene

• Road conditions

• Traffic signs or signals

• Any visible injuries

The more documentation you have, the smoother your auto insurance claim will be.

Step 6: Notify Your Insurance Company or Western Heritage

Contact your auto insurance provider or Western Heritage as soon as possible — ideally the same day.

Be prepared to provide:

• Date, time, and location of the accident

• Description of what happened

• Police report number (if available)

• Photos and documentation

Prompt reporting helps prevent delays in your claim.

Step 7: Seek Medical Attention

Even if you feel fine, consider seeing a doctor. Some injuries appear hours or days later.

Keep records of:

• Medical visits

• Prescriptions

• Treatment plans

• Medical bills

These documents are important if you need to file a bodily injury claim.