From the moment of impact to your final settlement — a complete, printable guide.
Even minor injuries can worsen. A police report is essential evidence for your claim.
Only if safe and the vehicles are drivable. Turn on hazard lights immediately.
Damage to all vehicles, skid marks, road conditions, traffic signs, injuries. Shoot from multiple angles.
Full name, phone, address, driver's license number, license plate, insurance company and policy number.
Name and phone number of anyone who saw the accident. Witnesses are critical if fault is disputed.
Ask the responding officer for the report number. You'll need it to request the full report later.
"Sorry" or "I didn't see you" can be used against you. Stick to factual statements only.
They will ask immediately. Politely decline until you understand your rights.
Whiplash and soft tissue injuries often don't appear for 24–48 hours. A prompt exam establishes causation.
Explicitly connect your injuries to the accident in your medical records. This is critical for your claim.
Report the accident even if you weren't at fault. Many policies require timely notification.
Obtain a copy from the local police department or online portal. Review it for errors immediately.
Document daily pain levels, how injuries affect your work and daily life. Contemporaneous notes are powerful evidence.
ER, urgent care, specialist visits, physical therapy, medications, medical equipment. Everything.
Travel expenses are compensable. Use a mileage log or app starting from your first appointment.
Get a letter from your employer confirming missed days and rate of pay. For self-employed, save tax records and calendar evidence.
Get at least two independent estimates. The insurer's appraiser may undervalue the damage.
Ask adjusters to email or mail any offers, decisions, or requests. Don't negotiate verbally.
Gaps in treatment give insurers grounds to argue your injuries healed or aren't serious.
You are entitled to your own records. Review them for accuracy before your claim is finalized.
Know the realistic range for claims like yours before entering any negotiation.
Ask the insurer directly. If limits are low, check your own Underinsured Motorist (UIM) coverage.
First offers are calibrated to be low. Negotiate in writing with documented justification.
Most states allow 2–3 years to file a personal injury lawsuit. Missing this deadline ends your case permanently.
Only settle after your doctor confirms your condition has stabilized. Settling earlier means you won't account for future costs.
Look for language waiving "all future claims." This means you cannot sue later — even if your injury worsens.
Most PI attorneys offer free consultations. Studies show represented claimants receive 3–4x more even after attorney fees.
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