← Back to yourcrashangel What To DoAfter 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 choose the body shop — not the insurer Avoid shops that offer to "waive your deductible" (that's a red flag) Ask the shop if they use OEM parts (especially for newer cars) 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 Don't let the insurer pressure your shop into using cheap aftermarket parts 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) Ask about diminished value if you're keeping the car 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.
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