If you’re able, treat the first hour like an investigation—not a conversation.
- Get medical care right away (even if you feel “mostly okay”). Delayed symptoms are common after impact.
- Call police and make sure the report is filed. Ask the responding officer what documentation they captured and how the report can be obtained.
- Document the scene quickly: roadway position, direction of travel, weather/lighting, and any distinctive vehicle features (color, body style, partial plate, dents, or missing parts).
- Avoid recorded statements to adjusters until you’ve spoken with a lawyer. Insurance questions asked early can later be used to narrow or deny claims.
Kansas claims often hinge on clear timelines and consistent documentation. The first day matters.


