Question 1

Do I have to call the police after a small accident?

Accepted Answer

Rules depend on your state, but a police report helps with insurance and protects you. Call if anyone is hurt or the other driver won’t cooperate.

Question 2

Should I talk to the other driver’s insurance company?

Accepted Answer

You can give basic facts, but be careful about recorded statements. Many people talk to their own insurance or a lawyer first.

Question 3

Should I move my car after an accident?

Accepted Answer

If no one is hurt and the cars still drive, many states expect you to move out of traffic. If it’s safe, snap a few quick photos first. If anyone is hurt or a car won’t move, stay put and call 911.

Question 4

Do I have to call the police for a small accident?

Accepted Answer

It depends on your state. Many states require a report when someone is hurt or damage is over a set amount. Even when it isn’t required, a police report makes your insurance claim much easier.

Question 5

What should I not say after a car accident?

Accepted Answer

Don’t say “it was my fault” or guess about what happened. Be polite, check on everyone, and stick to facts when you talk to the other driver and the police. Fault is decided later.

Question 6

Should I see a doctor if I feel fine after a crash?

Accepted Answer

Yes. Some injuries, like whiplash or a concussion, show up hours or days later. A visit also creates a record that links any injury to the crash.

Question 7

How long do I have to file an insurance claim?

Accepted Answer

Tell your insurer as soon as you can; most policies require prompt notice. The deadline to file a lawsuit for injuries is set by state law and is often two to three years, but it varies.

Question 8

What if the other driver has no insurance?

Accepted Answer

Your uninsured motorist coverage may pay for injuries, and in some states for car damage. Collision coverage can also fix your car, minus your deductible. Always get a police report.

Common questions: Car accident