Auto Accident Claims: What to Do Now (Updated 2025)

This updated guide explains immediate steps after an auto accident, evidence to collect, how insurers handle claims, and when to consult a personal injury lawyer. It highlights modern tools - dashcams, smartphone photos, telematics - and stresses thorough documentation and timely reporting.

Quick overview

Auto accidents can cause anything from minor bruises to major injuries and extensive vehicle damage. After a crash you may seek compensation through insurance or, if necessary, the courts. Today's claims process increasingly uses digital evidence, insurer apps, and vehicle telematics, but the basics remain: gather evidence, report the crash, document injuries and costs, and consult counsel when needed.

Immediate steps after a crash

Prioritize safety and medical care. Call emergency services if anyone is seriously hurt. If it's safe, move vehicles out of traffic and turn on hazard lights.

Collect basic information at the scene: names, contact numbers, license plate numbers, insurance company names and policy numbers. Get contact information for witnesses.

File a police report. A formal police or incident report strengthens a claim and documents who responded.

Document evidence now

Take clear photos and video of vehicle damage, license plates, road conditions, traffic signals, and visible injuries. Time-stamped photos from a smartphone or dashcam can be crucial.

Keep medical records, bills, receipts, and a written log of symptoms, treatments, and missed work. Preserve any digital evidence such as text messages or app data from rideshare or navigation services.

Reporting the claim and working with insurers

Report the crash to your insurer promptly using their app or online portal. Most insurers assign an adjuster who investigates liability and estimated damages.

Insurers often negotiate directly. If both carriers agree on fault and value, settlement can close the claim without litigation. Expect questions about vehicle repairs, medical treatment, and prior damage.

When to consult a lawyer

If the other party denies fault, refuses fair compensation, or injuries are serious, consult a personal injury lawyer experienced in auto claims. A lawyer can advise on negotiating with insurers, filing suit, and preserving evidence for trial.

Be aware that statutes of limitations for personal injury claims vary by state. If you think a lawsuit may be necessary, get legal advice early.

Modern complications and tools

New technology affects claims: dashcams, smartphone video, and vehicle telematics (event data recorders) often influence fault and damages calculations. Advanced driver-assistance systems (ADAS) can add complexity to determining responsibility after a crash.

Many insurers now offer digital claim trackers, virtual inspections, and direct deposit settlements, making parts of the process faster.

Keep detailed records

From day one, keep a folder (digital and/or physical) with police reports, insurance correspondence, medical records, repair estimates, bills, photos, and a diary of symptoms and expenses. Good documentation improves the chances of full recovery of losses.

If negotiations fail, a well-documented claim provides the foundation for legal action and a stronger case in court.