Filing an insurance claim is straightforward — but the first 72 hours determine whether it goes smoothly or gets bogged down for months. Here's the playbook.
Step 1: Document everything at the scene
- Photos: damage, license plates, accident scene, road conditions, traffic signs
- Other driver's name, license, insurance, plate, phone
- Witness names and phone numbers
- Responding officer's name, badge, and report number
Step 2: Get medical attention — even if you feel "fine"
Adrenaline masks injury. Soft-tissue damage, concussions, and internal injuries often show symptoms hours or days later. Insurance adjusters use "gaps in treatment" to argue your injuries weren't caused by the accident — so see a doctor within 24–72 hours regardless.
Step 3: Notify your own insurance company
You're contractually required to do this — usually "promptly" or within a specific number of days. State the basic facts: date, time, location, other parties, that police responded. Do not speculate about fault.
Step 4: Decline recorded statements from the OTHER side's insurer
The at-fault driver's insurance will call within days asking for a "recorded statement." You are not required to give one. Politely decline and tell them all communication should go through your attorney (or, if you don't have one yet, that you'll get back to them).
Step 5: Keep a damages file
- Every medical bill
- Every prescription receipt
- Mileage to and from doctor appointments
- Lost wage documentation (pay stubs, employer letter)
- Property damage estimates
- Out-of-pocket costs (rental car, childcare, equipment)
Step 6: Don't accept the first offer
Initial offers are designed to close cases cheap. Wait until your treatment is complete (or you have a clear long-term prognosis) before settling. If injuries are more than minor, get a free attorney consult before signing anything.