Stay calm and take the right steps.
Last updated: November 11, 2025
Whether it's a minor scrape or a serious collision, follow these steps to stay safe and handle everything properly.
Follow these steps one by one and tick them off as you complete them.
Each state has its own reporting process and deadlines. Choose your state below for the correct links and requirements.
Notify your insurance company within 24–48 hours. Keep all related documents—reports, receipts, and photos—organized.
Storage fees can add up quickly. Ask your insurer if your vehicle can be moved to a preferred location to reduce costs.
You are free to choose your own repair shop. Your insurer may suggest options, but the final choice is yours.
Request written estimates from several repair shops to compare pricing, quality, and warranties.
Tow yards often charge daily storage fees. Move your car to a repair facility or safe storage as soon as possible.
Keep receipts for all accident-related costs such as towing, repairs, medical visits, and rentals.
Understand your rights and what you cannot be forced to do.
You have the right to choose your repair shop.
You may decline to give a recorded statement until you feel ready or have sought advice.
You're entitled to full and fair compensation for all verified losses resulting from the accident.
There are legal time limits for filing claims. Most states allow 1–4 years—check your local laws and act promptly.
You have the right to request detailed invoices and written repair estimates before approving work.
If you're uncertain about your options, you can request a free, no-obligation consultation with a qualified attorney.
Request a consultationExpert advice to protect your rights and maximize your claim.
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Read Guide →If police didn't attend, you can usually file a self-report online or at a local station. Check your state's requirements—many require reporting within 24–72 hours for significant damage or injury.
Not always. Most states require a report if there's injury, death, or damage above a certain amount (typically $500–$1,500). When in doubt, file a report.
The timeframe varies by state, usually 1–4 years for injury claims and 2–6 years for property damage. Don't delay—evidence fades over time.
No. This site is a free resource. If you request legal help, many attorneys work on contingency—they're only paid if you win.
If the other driver is uninsured, check your policy for uninsured motorist coverage or file a claim through your own collision coverage.
Not necessarily. Review all your expenses and repair estimates before accepting. You may be entitled to more.
You can contact your insurance provider or an attorney. There's no obligation to proceed.