In the first 24–72 hours, your priority is medical care—but your next priority is preserving what insurance adjusters will later try to dispute.
Do this early (if you can):
- Get checked promptly (urgent care, ER, or your treating clinician). In New Jersey, insurers often scrutinize whether injuries match the crash timing.
- Document the scene: roadway conditions, lane position, signals/signage, curb cuts, and any debris. Summit roads can include mixed traffic patterns, turning movements, and areas where visibility changes quickly.
- Record witness details right away. People near commuter routes may be driving for work and may not be reachable later.
- Write down your memory while it’s still fresh: what you saw, what the driver did, where you were headed, and how you reacted.
Avoid this early:
- Giving a detailed recorded statement before you’ve had your medical evaluation.
- Relying on “it was probably my fault” assumptions. In New Jersey, comparative negligence can reduce recovery, but it doesn’t automatically end your claim.


