The first hours matter. Not because you need to “win” immediately, but because what you do next can affect what insurers believe later.
- Get medical care—then document symptoms. Even if you feel “mostly okay,” get checked. Concussions, soft-tissue injuries, and lingering pain can show up later.
- Preserve the scene while you still can. If you’re able, take photos of:
- traffic signals/signage at the intersection
- lane position, turn lane markings, and any debris
- your bike and visible vehicle damage
- Write down what you remember—timing is everything. Note the direction you were traveling, where you first noticed the danger, and what the other driver did right before impact.
- Avoid recorded statements to insurance right away. Insurers often use early statements to narrow fault or question injury seriousness.
If you want to move quickly, a short consultation can help you avoid common mistakes and develop a strategy that fits your situation.


