In the hours after a crash, the decisions you make can affect what insurance companies accept later. Focus on actions that create a reliable record.
1) Get medical evaluation early (even if you feel “okay”). Head injuries, soft-tissue damage, and lingering pain can take time to show up. Early documentation also helps connect symptoms to the crash.
2) Preserve evidence before it’s gone. If it’s safe, take photos of:
- the roadway and lane position
- traffic signals/signage
- visible vehicle damage and debris
- your bicycle and helmet (if you were wearing one)
- any skid marks or irregularities you can see
3) Write down the details while they’re fresh. Include the time of day, weather/lighting conditions, what the other driver was doing (turning, merging, entering an intersection), and any witnesses you can contact.
4) Be careful with recorded statements. Adjusters may request a statement quickly. If you’re unsure what to say, get legal guidance first—what sounds “helpful” can become a liability issue later.


