You’ve just been in a car accident. Maybe someone hit you from behind at a red light, or you misjudged a turn and clipped another vehicle. No matter how it happened, your heart is racing, and your thoughts are all over the place.
At Avanti Insurance Solutions, we understand how stressful these moments can be. More importantly, we are here when the unexpected happens. Knowing what to avoid can make a big difference in protecting your safety and supporting your insurance claim.
Below is a list of 10 mistakes to avoid after an auto accident, along with tips on what to do instead to help you stay informed, calm, and protected.*
1. Not checking for injuries
Let’s be real. In a moment of panic, your mind might jump straight to the damage or the logistics, but your health comes first. It can be tempting to brush it off and say you’re fine just to move things along.
What to do instead: Always assess for injuries first. If anyone is hurt, if there’s major vehicle damage, or if the accident is blocking traffic or creating a hazard, call 911 right away. Emergency responders can provide medical care, secure the scene, and help file an official report.
2. Leaving your car in traffic
In the immediate aftermath of an auto accident, it’s common to freeze or hesitate. But staying in active traffic can put you, your passengers, and others at risk.
What to do instead:
If your vehicle is safe to drive, move it to the side of the road, a nearby shoulder, or a parking lot. This helps prevent further accidents and clears the way for emergency responders.
If your car cannot be moved, the National Highway Traffic Safety Administration (NHTSA) recommends turning on your hazard lights and remaining inside the vehicle with your seatbelt fastened until help arrives.**
Should you ever exit your vehicle?
According to the NHTSA, only exit your vehicle if it’s unsafe to remain inside. For example, if you see smoke or flames or the car is in a dangerous location, it may be safest to exit quickly and move to a secure spot away from traffic.
3. Forgetting to call the police
After a crash, especially one that seems minor, it might feel easier to just exchange information and move on. But not calling the police can cause problems later, especially if injuries surface or there’s a disagreement about what happened.
What to do instead: An official police report can help with insurance claims and protect you if issues come up later, so it’s best to call. Whether the accident seems major or minor, like a light tap in a parking lot, calling the police is wise. In some cases, it may be legally required to contact law enforcement, even if the damage appears minimal. State laws vary when it comes to requirements, so be sure to check your local guidelines. (You can review Michigan’s guidelines here).
If officers cannot come to the scene, ask how to file a report afterward, either in person or online.
4. Leaving without exchanging information
We get it. After an accident, especially when everything seems okay, you just want to move on. But skipping this step can delay your claim or leave you without key details.
What to do instead: Exchange full names, phone numbers, insurance providers, policy numbers, and license plate numbers with the other driver. Share your own details as well. Taking a quick photo of their insurance card or license can also help avoid any confusion.
5. Relying on memory
You might think you will remember every detail, but accidents can be overwhelming. Important information can quickly fade.
What to do instead: Take photos of the scene if you can. Capture all vehicles involved, visible damage, road conditions, nearby signs, and license plates. If you don’t have a camera, take notes as soon as possible.
6. Admitting fault or apologizing
Saying something like “I’m sorry” can be instinctual, but it could be misunderstood as an admission of fault.
What to do instead: Stay calm, respectful, and focused on collecting the necessary information. Avoid discussing who was at fault and allow the authorities and your insurance provider to make that determination.
7. Posting about it on social media
While sharing updates online may seem harmless, even a quick post could create issues during the claims process.
What to do instead: Keep the details of the accident private. Avoid posting photos, opinions, or updates online. Stick to direct communication with your insurance provider and the parties involved.
8. Waiting to contact your insurance provider
Waiting too long to notify your insurer can delay your claim or even limit coverage, depending on your policy.
What to do instead: Call your insurance provider as soon as possible. If you’re with Avanti Insurance, we’re here to walk you through next steps, even if you’re unsure whether to file a claim. We’re just a call away.
9. Ignoring medical attention
Right after an accident, it is common not to notice pain or symptoms right away. But that does not always mean you are in the clear.
What to do instead: If there is any chance you were injured, consider seeing a medical professional. Some injuries take time to show up, and early documentation can be helpful both for your health and for any claims you may file.
10. Losing track of important paperwork
Accidents come with a lot of moving parts. Losing key details could add stress to an already difficult process.
What to do instead: This includes the police report, repair estimates, medical records, receipts, and insurance communication. Staying organized can make everything smoother. You’ll thank yourself later!
We Are Here to Support You
Avanti Insurance is here for you. We believe in more than just providing coverage. We help you stay prepared, informed, and supported through every step of the process. Whether you are at the scene or following up days later, our team is ready to help you feel confident and protected.
Contact us today for a personalized review.
*This blog post is intended for general informational purposes only and does not provide legal or medical advice. Please refer to your policy documents or speak with a licensed Avanti Insurance Solutions agent for personalized support.
**This safety guidance is provided by the National Highway Traffic Safety Administration and is not legal or emergency advice from Avanti Insurance Solutions. Always follow instructions from 911 dispatchers or emergency responders on the scene. Information included for general informational purposes only.
