After a single-car accident, you should call the police and take photos of the scene, including damage to your vehicle. You should also note relevant details related to the accident, like the time and road conditions, and then contact your insurance company to report the accident in case you need to file a claim. Of course, if you’re injured, seeking medical care should come before all else.
What to Do After a Single-Car Accident
- Get immediate medical attention if you’re injured
- File a police report
- Take photos of the scene and your vehicle
- Note the details of the accident
- Report the accident to your insurance company
Filing an Insurance Claim After a Single-Car Accident
When you’re involved in a single-car accident, you’ll have to use your own insurance to pay for your expenses. Specifically, you can use collision insurance to cover vehicle repairs and personal injury protection or medical payments coverage to pay for medical bills. However, if you hit an animal, you would use comprehensive insurance instead of collision.
Depending on the extent of the single-car accident, you may not need to file an insurance claim. If your vehicle is the only thing damaged, there are no injuries, and you think the cost of repairs will be less than your deductible amount, then you should consider paying out of pocket to fix your car instead of filing a claim. But even if you don’t think you’ll file a claim, you should still report the accident to your insurer, since the full extent of the damage may not be immediately apparent.
To learn more, check out WalletHub’s guide on what to do after a car accident.
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