- September 8, 2025
- Posted by: Adrian Monreal
- Category: Auto Insurance
Accidents happen when we least expect them. In fact, the average driver will file an auto insurance claim about once every 17.9 years, according to industry research. That means it’s not a matter of if, but when you’ll need to know what to do after a crash.
Whether it’s a fender-bender or something more serious, knowing the right steps can protect your health, your finances, and your insurance claim. Here’s your essential Car Accident Emergency Checklist.
Step 1: Check for Safety First
- Look for injuries. Call 911 immediately if anyone is hurt.
- If vehicles are drivable, move them to a safe spot. The Federal Highway Administration warns that the risk of a secondary crash increases by 2.8% for every minute a lane is blocked.
- Turn on your hazard lights and use triangles or flares if available.
Step 2: Document Everything
- Take photos of damage, the scene, license plates, skid marks, and traffic signals.
- Exchange information: names, phone numbers, insurance policy numbers, driver’s license, and VIN.
- Write down weather, lighting, and road conditions.
Remember: police may not always respond to minor crashes—your documentation could make or break your claim.
Step 3: Watch for Hidden Injuries
Not all injuries appear right away. Concussion symptoms, for example, can show up hours or even days later. Warning signs include headaches, confusion, dizziness, and trouble speaking. Always seek medical attention, even for minor impacts.
Step 4: Use Technology Wisely
Your phone should only serve three purposes after a crash:
- Calling emergency services.
- Documenting the scene.
- Contacting your insurance company.
Resist the urge to post about the accident on social media—it can complicate your claim later.
Step 5: Know the Law & Call Your Insurance Agent
- In California, the “Move Over” law requires drivers to slow down or change lanes for stopped emergency or maintenance vehicles.
- Notify your insurance provider as soon as possible. Quick reporting helps ensure faster guidance and smoother claims processing.
Why Insurance Matters More Than Ever
Car accidents are expensive. The average cost of property damage-only crashes in the U.S. is over $12,000, and medical bills can push that number much higher. Without the right insurance coverage, those costs come straight out of your pocket.
Having the right auto insurance means you’re not just checking off boxes—you’re protecting your finances, your family, and your future.
Take Action Today
Accidents are unpredictable, but being prepared isn’t. At Monreal Insurance Solutions, we help drivers find affordable, customized auto insurance coverage so they’re never caught off guard.
For more info, text or call (909) 757-1311.
