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What to Do When You're in a Car Accident - Shinberg-LTB Insurance

July 20, 2023


Car accidents are unfortunate events that can happen to anyone at any time, even to the most cautious drivers. While we hope you never experience one, it’s crucial to be prepared and know what steps to take if the unfortunate happens. Handling a car accident calmly and responsibly can make a significant difference in ensuring your safety, protecting your legal rights, and expediting the insurance claims process. In this article, we will provide you with a comprehensive guide on what to do when you’re in a car accident. Please know we are here to help.

Prioritize Safety:

The immediate aftermath of a car accident can be overwhelming, but the safety of everyone involved should be your top priority. If you can move your vehicle, pull it over to a safe location away from traffic, turn on hazard lights, and set up warning triangles if you have them. Check on the well-being of all passengers involved, including those in other vehicles, and call for medical assistance if necessary.

Call the Police:

Regardless of the accident’s severity, it’s essential to contact the police and file an accident report. The official report can be valuable when filing an insurance claim or dealing with any legal matters that may arise. Cooperate with the police and provide them with accurate and truthful information about the accident.

Exchange Information:

Exchange essential information with the other parties involved in the accident, including:

  • Names, contact details, and addresses
  • Driver’s license numbers
  • Insurance information (company name and policy number)
  • Vehicle details (make, model, and license plate number)
  • Names and contact information of any witnesses

Document the Scene:

If it is safe to do so, take photos and videos of the accident scene from multiple angles. Capture any damages to vehicles, road conditions, traffic signs, and any other relevant details. These visual records can be invaluable during the claims process.


Avoid admitting fault or placing blame on the spot, even if you believe you were responsible for the accident. Determining fault is the responsibility of insurance companies and, if necessary, the legal system. Simply stick to the facts when discussing the incident with the police, witnesses, or insurance representatives.

Notify Your Insurance Company:

Contact your insurance provider, (click here if you have a policy with the Shinberg LTB Agency) as soon as possible to report the accident. Be honest and provide them with all the details you have collected. Your insurance company will guide you through the claims process and advise you on the next steps.

Seek Medical Attention:

Even if you feel fine after the accident, it’s wise to seek medical attention promptly. Some injuries may not manifest immediately, and a medical professional can evaluate you for any hidden injuries. Also, obtaining a medical report can help substantiate your injury claims.

Preserve Evidence:

Keep all documents related to the accident, such as the police report, medical bills, repair estimates, and correspondence with insurance companies. These records will be crucial when dealing with claims and possible legal actions.


Being involved in a car accident is undoubtedly a distressing experience, but knowing what to do can help you navigate the situation more effectively. Prioritize safety, gather information, and cooperate with authorities and insurance companies. Remember, it’s essential to remain calm and avoid admitting fault at the scene. By following these steps, you’ll be better equipped to protect your well-being, legal rights, and successfully navigate the insurance claims process after a car accident.


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