After a car accident, your first call should always be to 911 if anyone is injured or if the accident is severe. For non-emergency situations, the priority is to contact the police to file a report, then your insurance company, and finally a tow truck if your car is undrivable. The exact order can depend on the accident's severity, but ensuring safety and starting the official documentation process is critical.
Your immediate action plan should follow these steps:
- Check for Injuries and Safety: First, check yourself and others for injuries. If anyone is hurt, or if the vehicles are blocking traffic or pose a hazard, call 911 immediately.
- Contact the Police: Even for a minor fender-bender, calling the police is crucial. An official police report is a vital piece of evidence for your insurance claim and for establishing fault. In many states, it's legally required for accidents involving injury, death, or significant property damage.
- Call Your Insurance Company: You should notify your insurer as soon as it is safe and practical to do so. They will guide you through the claims process. Be prepared to provide details like the other driver's insurance information, the police report number, and photos from the scene.
- Call a Tow Truck: If your car is not safe to drive, your insurance company or the police on scene can dispatch a reputable tow service. Do not accept a tow from a random service that shows up unsolicited, as this can be a scam.
The table below outlines common calls to make and the typical timeframe for each.
| Contact | When to Call | Primary Reason | Key Information to Have Ready |
|---|
| 911 (Emergency Services) | Immediately after the accident, for injuries, fire, or hazardous conditions. | To get medical help and secure the scene. | Your location, number of people involved, nature of injuries. |
| Police (Non-Emergency Line) | After ensuring safety, for all accidents requiring an official report. | To create a legal record of the event (police report). | Driver's licenses, insurance cards, vehicle registration for all parties. |
| Your Insurance Company | Within 24 hours, or as soon as you are in a safe, quiet place. | To initiate the claims process and get repair guidance. | Policy number, details of the other driver, photos of damage and scene. |
| Trusted Tow Service | If the vehicle is undrivable, as advised by police or your insurer. | To move your vehicle to a safe location or repair shop. | Your location and vehicle description. |
| A Lawyer | If there are serious injuries, a dispute over fault, or significant damages. | To protect your legal rights and navigate complex claims. | A copy of the police report and all correspondence with insurance companies. |
Remember, never admit fault at the scene. Simply exchange information and cooperate with the authorities. Your focus should be on safety and proper documentation.
