Steps To Take After a Car Accident
Get A Quote
March 26, 2025
A car accident can be overwhelming, whether it’s a minor fender bender or something more serious. In stressful moments like these, knowing what to do next can make all the difference. The right steps will help ensure everyone’s safety, protect your legal rights, and make the insurance process smoother. If you have auto insurance in Massachusetts, following the correct procedures will also help streamline your claim.
What to Do at the Scene
1. Confirm Everyone’s Safety
Check yourself and any passengers for injuries. If anyone is hurt, call 911 right away. If it’s safe to do so, move vehicles out of traffic to prevent further accidents. Turning on your hazard lights can also help warn other drivers.
2. Call Emergency Services
Even in minor accidents, it’s important to contact the police. A police report provides an official record of what happened, which can be helpful when filing an insurance claim. In Massachusetts, law enforcement is required to be notified if the accident involves injuries, fatalities, or significant property damage.
3. Exchange Information with Other Drivers
Make sure to get the following details from all drivers involved:
- Name and contact details
- Driver’s license number
- License plate number
- Insurance provider and policy number
If there are passengers or witnesses, ask for their contact information as well. Their statements may help clarify what happened if there’s any dispute later.
4. Document the Scene
Take clear photos of all vehicles involved, including any visible damage, license plates, road signs, and traffic signals. Note the time, date, location, and weather conditions. The more details you gather, the easier it will be when working with your insurance provider.
Handling the Aftermath
5. File a Police Report
If the police arrive at the scene, ask for a copy of the accident report or find out how you can obtain it later. Even if officers don’t respond, you may be required to file a report with the Massachusetts Registry of Motor Vehicles, depending on the severity of the accident.
6. Contact Your Insurance Company
Notify your insurer as soon as possible. If you have auto insurance in Massachusetts through Berlin Insurance Group, our team will walk you through the claims process and help you understand what’s covered. Provide your insurer with all necessary documentation, including photos and the police report, to support your claim.
7. Get a Medical Evaluation
Even if you don’t feel injured, it’s a good idea to see a doctor. Some injuries, like whiplash, can take time to appear. Keep records of any medical visits, treatments, or medications, as these may be important for insurance claims or legal matters.
8. Consult a Legal Professional If Needed
If there’s a dispute over fault, injuries, or damages, speaking with a legal expert can help protect your rights. A lawyer can also assist if the other driver’s insurance company offers a settlement that doesn’t cover your expenses.
Reviewing Your Insurance Coverage
9. Assess Your Policy
An accident is a good reminder to review your coverage. Are you protected against uninsured motorists? Is your deductible reasonable? Do you have adequate liability coverage? If you’re unsure, Berlin Insurance Group can help evaluate your policy.
10. Update Your Coverage with Berlin Insurance Group
Every driver has different insurance needs, and we don’t believe in cookie-cutter policies. Whether you drive daily, own a classic car, or use an ATV for weekend fun, we offer personalized auto insurance in Massachusetts to match your lifestyle. Contact us today to review your policy and verify you have the right coverage in place.
A car accident can be stressful, but knowing what steps to take can help keep you safe and make the insurance process easier. Stay calm, document everything, and notify your insurer as soon as possible. And if you ever need assistance, Berlin Insurance Group is here to help. Call, email, or stop by — we’re ready to protect you every step of the way.
About Berlin Insurance Group
At Berlin Insurance Group, we collaborate with top insurance partners nationwide to ensure you receive exceptional coverage from highly rated companies. As an independent agency, we have the flexibility to shop among dozens of carriers, each specializing in different types of risks, to find the best deals tailored to your specific needs. Whether it’s for your home, auto, or business, contact us today for a customized quote.