What to do After You've Been in an Accident

Posted: 6 years, 10 months ago

Updated December 2025

You’ve Just Been in an Accident… Now What?

It happens to the best of drivers: a split second, a screech of brakes, and suddenly you’re in an accident. In 2025, auto accidents still happen every day — and while you can’t control other drivers, knowing exactly what to do can protect your safety, your vehicle, and your insurance claim. Here’s a step-by-step guide for what to do if you’re involved in a car accident.

1. Stop and Stay Calm

• Always stop immediately — but try not to obstruct traffic if possible.

• Take a deep breath and focus on staying calm. Your safety and the safety of others comes first.

2. Check for Injuries and Call 911 if Needed

• Make sure everyone is safe.

• Assist injured parties if it’s safe to do so.

• Call 911 if anyone is hurt or if there is significant property damage.

3. Move Vehicles Safely

• If vehicles are drivable, move them out of the roadway to prevent additional accidents.

• Turn on hazard lights to alert other drivers.

4. Gather Information

Accurate information is critical for your insurance claim:

• Names, phone numbers, and addresses of all drivers involved

• Insurance company and policy numbers

• Vehicle details: make, model, year, license plate numbers

• Contact information for witnesses

• Photos of the vehicles, license plates, and accident scene

Tip:

Make a rough sketch of the scene showing the position of vehicles, traffic signs, and road conditions.

5. Protect Yourself at the Scene

• Do not admit fault. Even if you think the accident was your responsibility, simply state the facts to the police and your insurance agent.

• Do not sign any settlement documents at the scene. Only sign paperwork required by the police or your insurance company.

• Remain courteous, calm, and consistent in recounting the accident.

6. Notify Your Insurance Agent Promptly

Contact your insurance agent as soon as possible to report the accident. Quick reporting helps start your claim efficiently and ensures your coverage is applied correctly.

7. Review Your Coverage Options Ahead of Time

After the accident, you’ll want to work with your agent to process your claim. But the best time to learn about coverage options is before an accident happens. Ask your agent about options such as:

• Loan/Lease Gap Coverage

• Rental Reimbursement

• Waiver of Deductible

• OEM Parts Coverage

• Towing & Labor

• Accident Forgiveness

• New Car Replacement

• Pet Injury Protection

• Trip Interruption Coverage

These options can help reduce out-of-pocket costs, keep you mobile while your car is repaired, and protect your family in unexpected scenarios.

8. Stay Safe and Informed

An accident is stressful, but knowing the steps to take ensures you protect yourself, your vehicle, and your claim.

For any questions about your current coverage or to review personal auto insurance options in 2025, call Top O’ Michigan at 1-800-686-8664. We’ll help make sure you and your vehicle are fully protected—before and after an accident.

 

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