Most drivers will experience at least one crash in their lifetime. In recent years, there were over 5.9 million police-reported car accidents in the U.S. It’s hard to think clearly in the moment, but having a plan makes a big difference.
In this post, we’ll walk through 5 steps that help you handle the situation and start your insurance claim the right way.
Step 1. Check for Injuries and Call for Help
Check yourself first. Then check others. If anyone is hurt—even slightly—call 911 right away. While you wait for help to arrive:
- Turn on your hazard lights
- Stay in a safe spot
- Don’t move anyone who may be injured unless there’s danger
Breathe. Listen to the dispatcher. Once emergency services are on their way, turn your attention to the scene itself.
Step 2. Move Your Car Out of Traffic
If your car can move and no one is seriously hurt, get to the side of the road. Find a shoulder, parking lot, or driveway if possible. This helps protect you and other drivers.
After pulling over:
- Shut off the engine
- Stay out of oncoming lanes
- Place cones or triangles if you have them
Your safety matters more than anything else. With traffic out of the way, you’re ready to start collecting information.
Step 3. Take Photos and Write Everything Down
Don’t rely on memory. Snap photos while the scene is fresh. Your phone is your best tool here. What to photograph:
✓ Vehicle damage from every angle
✓ Both license plates
✓ The full street scene and any skid marks
✓ Traffic signs, weather, and visible injuries
Also, write down the basics:
- Time and location
- Road and weather conditions
- Witness names and contact info
Save everything in one place. It’ll save you headaches later. Once that’s done, you’re ready to speak with the other driver.
Step 4. Exchange Basic Information Only
Be calm. Be brief. No need to overshare.
Exchange the following:
- Full name and contact number
- Insurance company and policy number
- Driver’s license and license plate
Do not admit fault. Don’t argue. Stick to the facts. With the exchange complete, it’s time to loop in your insurance provider.
Step 5. Report the Accident and Track Your Claim
Call your agent as soon as possible. The sooner they know, the faster they can help. Share your notes, your photos, and any police report number.
Keep everything organized:
- Write down names and dates of calls
- Save emails and letters
- Record your claim number and status
Don’t be afraid to follow up if things go quiet. If you’re an SFM Insurance client, your agent is just a call away. They’ll guide you through what happens next.
Now that your claim is underway, you can start thinking about repairs and recovery.
Review Your Coverage with SFM
We understand how overwhelming a car accident can feel. The moments after are confusing, fast, and often emotional. A clear plan and the right coverage can help you feel more in control.
At SFM Insurance, explain what’s included and flag anything that might be missing. It’s a simple way to feel ready before the next accident happens. Contact SFM Insurance for a quick review of your auto coverage.
