What to do after a minor car accident: a clear checklist

Make safety the first priority

Check for injuries, follow local laws and call emergency services when needed. If it is safe and legally appropriate, move vehicles out of active traffic. Never put yourself at risk to take photos or inspect damage.

Document facts without guessing

Exchange appropriate contact, vehicle and insurance information with other drivers. Record the date, time, location, vehicle details, visible damage and any witnesses. Photographs can be useful when safe to take.

Avoid speculating about fault or making promises about how an insurance company will decide a claim.

Notify the right parties

Report the accident to your insurer according to your policy and follow applicable reporting laws. Depending on the circumstances and state, police or motor vehicle agency reports may also be required. Ask your insurer about claim numbers, repair inspections and rental or towing coverage.

Keep organized records

Save estimates, receipts, photos, communications and claim reference numbers. If you experience pain or symptoms, seek appropriate medical attention. An incident that seems minor at first can require follow-up.