Being in a car accident is scary. In the moment, it is hard to think clearly about what you need to do. But taking the right steps can protect your health, your rights, and your insurance claim.
This guide walks you through everything you need to do after a car accident in Texas. Keep this checklist handy so you are prepared if the unexpected happens.
Step 1: Stay Calm and Move to Safety
Your first concern should be safety. Take a deep breath and check yourself for injuries. If you can move safely, pull your car to the side of the road or into a parking lot away from traffic.
Turn on your hazard lights right away. This alerts other drivers and helps prevent more accidents. Once you are in a safe spot, you can exit your vehicle if it is safe to do so.
Step 2: Check for Injuries and Call 911
Check yourself and your passengers for injuries. If anyone is hurt, call 911 immediately. Even if injuries seem minor, it is wise to get medical help. Some injuries like whiplash do not show symptoms right away.
Do not try to move anyone who appears seriously injured unless there is immediate danger, like a fire. Wait for emergency responders to arrive.
Step 3: Call the Police
In Texas, you must report accidents that cause injury, death, or property damage over $1,000. Call the local police or highway patrol to file a report. A police report creates an official record of what happened.
When the officer arrives, give them an honest account of the accident. Stick to the facts and avoid guessing or admitting fault. The police report will be important for your insurance claim later.
Step 4: Exchange Information With the Other Driver
Once everyone is safe, exchange information with the other driver. You will need their name, phone number, address, driver’s license number, license plate number, and insurance details.
Stay polite during this conversation. Avoid discussing who was at fault or apologizing for the accident. Even a simple sorry can be used against you later.
Step 5: Document the Accident Scene
Use your phone to take photos and videos of everything. Capture the damage to all vehicles, the road conditions, traffic signs, and the surrounding area. These images will help support your insurance claim.
Take wide shots showing the full scene and close-ups of specific damage. If there are skid marks or debris, photograph those too. The more evidence you have, the better.
Step 6: Talk to Witnesses
If anyone saw the accident happen, ask for their name and phone number. Witness statements can be very helpful if there is a dispute about what happened. Their account may support your version of events.
Step 7: Notify Your Insurance Company
Contact your insurance company as soon as possible to report the accident. Give them all the details and documentation you collected. Your insurer will guide you through the claims process.
Be honest with your insurance company. Trying to hide information can backfire and hurt your claim. Most insurers have 24/7 hotlines for reporting accidents.
Step 8: Get a Medical Checkup
See a doctor within a day or two after the accident, even if you feel fine. Some injuries take time to appear. A medical record also creates documentation that links any injuries to the accident.
Follow through with any recommended treatments. Keep records of all medical visits and expenses related to the accident.
Let North Texas Collision Center Handle Your Repairs
Once you have handled the immediate aftermath, it is time to think about repairs. At North Texas Collision Center, we make this part easy. Our team works directly with your insurance company so you can focus on getting back to normal.
We offer a convenient online portal where you can track your repair progress. With locations in Arlington, Grand Prairie, and Haltom City, help is always close by. Contact us today for a free estimate.
Frequently Asked Questions
What should I do after a car accident that is not my fault?
Follow the same steps listed above. Document everything, exchange information, and file a police report. Contact the other driver’s insurance company to file a claim. Keep all records of your expenses and damages.
What should I do after a minor car accident?
Even for minor accidents, you should exchange information with the other driver and document the scene with photos. In Texas, you must report accidents with damage over $1,000. When in doubt, file a police report to protect yourself.
How long do I have to report a car accident to insurance?
Most insurance policies require you to report accidents promptly. While specific deadlines vary by policy, it is best to report within 24 to 48 hours. Waiting too long can complicate your claim or result in denial.
How long after a car accident can you claim an injury in Texas?
In Texas, you generally have two years from the date of the accident to file a personal injury claim. However, it is important to seek medical attention and document injuries as soon as possible for the strongest case.