❓ Car Accidents in the U.S.: What to Do Step by Step

Car accidents are stressful, and if your English is limited, the situation can feel even more overwhelming. Here is exactly what to do.

At the Scene

• Stop immediately — leaving the scene is a crime (hit and run)
• Check for injuries and call 911 if anyone is hurt
• Move vehicles to a safe location if possible and the cars are drivable
• Call the police — always get a police report, even for minor accidents
• Do NOT admit fault — do not say "I'm sorry" or "it was my fault"

Information to Exchange

• Full name and contact info
• Driver's license number
• License plate number
• Insurance company name and policy number
• Vehicle make, model, color

Document Everything

• Take photos of all vehicles, damage, license plates, the road, and any injuries
• Get the names and contact info of any witnesses
• Write down the police officer's name and badge number

After the Accident

• Report to your insurance company within 24–48 hours
• Get checked by a doctor even if you feel fine — some injuries appear days later
• Keep all medical bills and records
• If the other driver is at fault, their insurance should cover your damages

If You Have No Insurance

Driving without insurance is illegal in almost every state. Penalties include fines, license suspension, and being personally liable for all damages. Get at least minimum liability coverage.