What To Do
After A Crash
Free checklist from a real collision estimator. Screenshot this, bookmark it, or save it for when you need it. Hopefully you never do.
At the scene
- Check for injuries — call 911 if anyone is hurt
- Move to safety if possible, turn on hazards
- Call the police (even for minor accidents — get a report number)
- Take photos: all vehicles, all damage, license plates, street signs, traffic lights, skid marks, debris
- Take a video walkthrough of the entire scene
- Get the other driver's: name, phone, insurance company, policy number, driver's license number
- Get witness names and phone numbers
- Do NOT say "it was my fault" or "I'm sorry" — be polite, share info, that's it
- Do NOT discuss the accident details with the other driver beyond exchanging info
Within 24 hours
- File a claim with YOUR insurance (even if it's their fault)
- Document any injuries — see a doctor, even if you feel "fine"
- Write down everything you remember about the accident while it's fresh
- Do NOT give a recorded statement to the other driver's insurance without understanding what you're doing
- Text me your photos and estimate — I'll tell you what to watch for (free)
Choosing a shop
- You can use any licensed shop — including the one your insurer recommends (DRP shops are vetted and usually guarantee the work). Pick the shop you trust
- Avoid shops that offer to "waive your deductible" (that's a red flag)
- Ask what parts the estimate uses — OEM or aftermarket. Both are usually fine; guaranteed OEM is a policy choice (an OEM endorsement), not automatic
- Ask if the shop does a full teardown before writing the final estimate
- Get a written estimate before authorizing work
During the repair
- Expect supplements — hidden damage is found during teardown, and that's normal
- Aftermarket parts are usually fine — they're held to an equal-quality standard. If you specifically want OEM, that comes from an OEM endorsement on your policy
- Ask for photos of the repair in progress if the shop offers them
- Know your rental coverage limits and timeline
- Review the final invoice against the estimate before picking up your car
If it's a total loss
- Get the insurer's valuation in writing
- Research comparable vehicles in your area (same year, make, model, mileage, options)
- You CAN dispute the total loss offer — most people don't know this
- Check if you have gap insurance (especially if you're upside-down on a loan)
- Keeping the car? Get the salvage deduction in writing and understand the salvage-title process first
- Run your numbers with the free California total-loss calculator at yourcrashangel.com/totaled
Protect yourself
- Keep every document, text, email, and estimate
- Don't sign anything you don't understand — ask me first
- Don't accept a quick settlement if you're still treating for injuries
- Consider consulting an attorney for serious injuries or major disputes
- Remember: adjusters work for the insurance company, not for you
Need help reading your estimate?
Text me a photo of the damage or your estimate. I'll break it down in plain English. Free, no strings attached.
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24 adjuster words translated into plain English.
Disclaimer: This checklist is for educational and informational purposes only. It is not legal, insurance, financial, or professional advice. Every accident and claim is different. For advice specific to your situation, consult a licensed attorney, public adjuster, or insurance professional.
Made by @yourcrashangel — The Accident Translator