Car accidents are stressful. In a moment, your day changes, and suddenly, you’re dealing with damage, injuries, and many questions. Whether it’s a fender bender or a dangerous crash, knowing what to do helps make things easier.
People often turn to the internet to find answers to the most common questions about car accidents. According to the National Highway Traffic Safety Administration (NHTSA), over 6 million car accidents happen every year in the U.S. With that many crashes, it’s no surprise that people want to know how insurance claims work and what steps to take.
What Should I Do Right After an Accident?
Check if anyone is hurt. Call 911 for help. If it’s safe, move the cars to the side of the road. Then, exchange names, contact details, and insurance information with the other driver. Take pictures of the damage and the scene. If there are witnesses, get their contact info too.
Should I Call the Police for a Minor Crash?
Yes, you should. Even minor accidents should be reported. A police report helps settle disputes later. In many states, calling the police is the law, especially if injuries or damage exceed a certain cost.
Do I Have to Tell My Insurance Company?
Yes. Always tell your insurance company, even if the accident wasn’t your fault. Some people think reporting will raise their rates, but not reporting can cause bigger problems. If the other driver makes a claim and you didn’t report the crash, your insurance company may refuse to help.
What Does My Insurance Cover?
That depends on your policy. Most policies include:
- Liability: Covers the other person’s injuries and damage if you’re at fault.
- Collision: Pays for your car repairs after an accident.
- Comprehensive: Covers things like theft, fire, or hitting an animal.
- Uninsured/Underinsured Motorist: This coverage helps if the other driver lacks insurance.
Will My Rates Go Up After a Claim?
They might. It depends on who was at fault and your driving history. Some insurers offer accident forgiveness so they won’t raise your rates after your first crash.
What If the Other Driver Has No Insurance?
That’s where uninsured motorist coverage helps. If you have this insurance, your company will help pay for your damages and injuries, even if the other driver can’t.
How Do I File a Claim?
Call your insurance company or use their app. Give them the accident details, photos, and police report if you have one. They’ll assign someone to inspect the damage and talk to the other driver’s insurance company.
How Long Does It Take to Get Paid?
It can take a few days or several weeks. Simple claims go faster. It may take longer if there’s a question about who caused the crash or how bad the damage is.
Can I Choose My Repair Shop?
Yes. Some insurance companies suggest shops they trust, but you can choose your own. Just ensure the shop gives a written estimate and keeps records of the repairs.
What If My Claim Is Denied?
Ask why. Sometimes it’s a paperwork issue or missing information. You can fix it and try again. If you’re still unhappy, you can file a complaint with your state’s insurance department or talk to a lawyer.
Do I Need a Lawyer?
Maybe. If you’re hurt, if the damage is severe, or if the insurance company won’t cooperate, it helps to have legal advice. A lawyer can explain your rights and handle the paperwork.
How Is Fault Decided?
Insurance companies look at the police report, witness stories, and photos. They may even use traffic camera footage or talk to crash experts. Sometimes, both drivers share the blame.
What Will Insurance Pay For?
You may get money for:
- Car repairs or replacement
- Medical bills
- Lost pay from missing work
- Pain and suffering (in some cases)
What If It Was a Hit-and-Run?
Call the police right away. Remember the other car’s color, make, and license plate. Your insurance may still help, especially if you have uninsured motorist coverage.
What if I Were Driving a Friend’s Car or a Rental?
The car owner’s insurance usually comes first. If it doesn’t cover everything, your policy may help. Check your car insurance or credit card for rentals—they may include rental coverage.
What If I were in a Rideshare Vehicle?
Those companies have insurance if you’re hurt while using a rideshare service like Uber or Lyft. How much coverage depends on when the crash happened (before or during the ride).
Final Thoughts
Car accidents can be scary and confusing. But knowing what to do, what your insurance covers, and how to handle claims makes things less stressful. Stay calm, ask questions, and always keep records.
