Minor car accident: 24-hour claims checklist

Even a minor fender bender can turn messy fast. The safest claims start with calm notes, photos, and a clean info swap in the first few minutes^[4]^[2]^[3].

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First 2 minutes: check for injuries, move the car if it is drivable and safe, turn on hazards, call 911 or the police if needed, and stay at the scene^[2]^[3]^[6].

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At the scene, be courteous but do not admit fault or argue. Exchange names, phone numbers, addresses, license plate numbers, driver’s license numbers, and insurance details, and get witness contacts too^[3]^[6]^[2].

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Before the cars move, photograph both vehicles from multiple angles, plus license plates, damage, skid marks, debris, property damage, street signs, landmarks, and anything that may have contributed to the crash^[1]^[2]^[3].

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Ask for the officer's name, badge number, and report number, then request a copy of the police report. Even in a minor crash, tell your insurer what happened so the claim can open without delay^[2]^[1]^[4]^[6].

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Next 24 hours: get medical care if needed, keep receipts and records, note lost wages, and start a pain-and-symptom journal. Glovebox basics: insurance info, vehicle details, and a phone or camera for quick photos^[1]^[6]^[4]^[3]. Save it for the glovebox, and share it with the driver who would rather have a calm plan than a stressful surprise.

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