In a Car Accident That Wasn’t Your Fault? Here’s What to Do
A car crash can leave you shaken, confused, and unsure of what steps to take next—especially if you didn’t cause it. Knowing what to do in those first few minutes (and hours) after the accident can make a huge difference in protecting your health, your finances, and your legal rights.
Here’s a step-by-step guide to help you handle the situation confidently.
1. Check for Injuries and Call 911
Your safety comes first. Check yourself and any passengers for injuries. Even if you feel fine, call emergency services—some injuries show up later. If anyone is hurt or there’s serious vehicle damage, 911 should be your first call.
2. Move to a Safe Location (If You Can)
If your car is blocking traffic and it’s safe to do so, carefully move it to the shoulder or a nearby parking lot. Turn on your hazard lights to stay visible and avoid more danger.
3. Call the Police and File an Official Report
Even if the accident seems minor, always call the police—especially if the other driver is at fault. An officer will create an official crash report, which will be critical for your insurance claim or any legal action later.
4. Exchange Information with the Other Driver
Make sure to collect (and provide) the following:
- Full name and contact info
- Driver’s license number
- Insurance company and policy number
- Vehicle registration and license plate
Avoid discussing fault—just exchange facts.
5. Document Everything
Use your phone to take photos of:
- Vehicle damage
- License plates
- Road conditions, street signs, and skid marks
- Injuries (if visible)
If there are witnesses, get their names and phone numbers.
6. Call Your Insurance Company
Yes, you should notify your insurance company even if the accident wasn’t your fault. Share all the information you’ve gathered, including the police report number, photos, and the other driver’s details.
7. Call an Accident Attorney
Here’s where many people go wrong: they skip legal help because they weren’t at fault. But insurance companies are not always on your side—even if you’re the victim.
An experienced an accident attorney can:
- Deal with the insurance companies for you
- Help you get full compensation for medical bills, lost wages, and car repairs
- Protect you from unfair blame or lowball settlement offers
If you’re injured or the damage is serious, don’t wait—call a lawyer early.
8. Don’t Admit Fault or Downplay the Situation
Stay calm and polite, but don’t apologize or admit any fault, even casually. Let the police and insurance companies determine what happened based on facts and evidence.
9. Follow Up with Medical Care
Even if you don’t think you’re hurt, visit a doctor or urgent care. Some injuries like whiplash or concussions don’t show symptoms right away—but they can still lead to serious long-term issues if left untreated.
🔍 FAQs
Who should I call first after a car accident?
Call 911 first if there are injuries or serious damage. Then call the police, your insurer, and a car accident attorney.
Do I need a lawyer if the accident wasn’t my fault?
Yes—insurance companies may try to minimize your claim. A lawyer helps you get the compensation you deserve.
What if the other driver doesn’t have insurance?
Uninsured motorist coverage may help, and a lawyer can assist in exploring other legal options.
