After a crash, your first priority is medical care. But your second priority—often within the first 24–72 hours—is building a record that holds up when questions come later.
Do this early:
- Report the crash and request the incident report number (when law enforcement responds). Even minor crashes can become disputed when symptoms worsen.
- Get the ride details: trip time, pickup/drop-off, driver name, vehicle description, and any screenshots from the app.
- Document the scene: photos of vehicle damage, roadway conditions, traffic signals, and anything unusual (construction zones, signage, poor lighting, debris).
- Follow your treatment plan and keep all follow-up appointments. In Missouri, insurers frequently look for gaps to challenge causation.
Avoid this early:
- Don’t rely on a casual statement like “I’m fine” if you’re not sure how you’ll feel later.
- Don’t post about the crash publicly while the claim is pending.
- Don’t sign documents you don’t understand—insurers sometimes use short forms to narrow their exposure.
If you’ve already spoken with an adjuster, that doesn’t end your options. Many Lebanon-area clients contact counsel after they receive a low offer or a denial based on disputed facts.


