After a Car Accident: 10 Essential Steps to Protect Your Rights and Claim
Car accidents can happen in an instant, but their impact can last far longer. Whether it’s a minor fender-bender or a major collision, knowing what to do next is crucial — not only for your safety but also for protecting your legal rights. As attorneys, we’ve seen how the right actions after an accident can make a significant difference in the outcome of an insurance claim or lawsuit. Here’s our step-by-step guide to help you navigate this stressful time with confidence.
Call the Police and Get a Report
Even if an accident seems minor, having an official police report is vital for your insurance claim and any future legal action.
Tell the truth but don’t admit fault. Just state the facts. The investigation will determine liability.
Get the officer’s name, badge number, and report number. This makes it easy to follow up later.
2. Gather Information and Evidence
Think of this step as building your case – because that’s exactly what you’re doing.
Exchange information with the other driver:
Full name and contact information
Insurance company and policy number
Driver’s license and license plate number
Document everything:
Take photos of the vehicles, license plates, road conditions, and any visible injuries.
Record witness names and contact information – they can be crucial if there’s a dispute.
3. Notify Your Insurance Company
Report the accident promptly. Provide them with the facts, but avoid giving recorded statements without consulting your attorney.
Don’t accept quick settlement offers. Insurance companies may rush to settle for less than you deserve.
4. Seek Medical Attention Immediately
Even if you feel fine, see a doctor. Some injuries, like whiplash or internal injuries, may not show any symptoms right away.
Keep a record of all doctors visits, treatments, and prescriptions.
Follow your doctor’s recommendations — this not only helps your recovery but also supports your claim.
5. Personal Injury Attorney
This is where we come in. An experienced attorney can …
Don’t be swayed by gimmicks.
Take your time to research.
Handle communication with insurance companies (so you don’t have to)
Gather additional evidence, such as traffic camera footage or expert testimony
Negotiate a fair settlement that covers your medical bills, lost wages, and pain and suffering
File a lawsuit if the insurance company won’t play fair
6. Track All Expenses and Losses
Maintain a detailed record of:
Medical bills and rehabilitation costs
Car repair estimates and rental expenses
Lost wages and reducing earning capacity
Out-of-pocket expenses (like medical transportation to medical appointments).
7. Avoid Social Media Mistakes
Be careful what you post. Insurance companies often monitor social media for anything that contradicts your injury claims. A seemingly innocent photo or comment can hurt your case.
8. Know the Statute of Limitations in Michigan
In Michigan, you generally have three years from the date of the accident to file a personal injury lawsuit (MCL 600.5805). Missing this deadline could cost you your right to compensation.
9. Beware of Flashy 800 Numbers and Out-of-Town Law Firms
After a car accident, you might see TV ads, billboards, or online ads from big law firms with catchy 800 numbers promising “millions” or “guaranteed” settlements. Many of these firms aren’t even local — they operate call centers that sign up clients and then refer cases to other lawyers, or they handle them with minimal personal attention.
While free consultation sounds great, what matters is the quality of representation, not flashy marketing.
10. Remember: You Don’t Have to Go Through This Alone
A car accident can turn your world upside down, but the right guidance can help you set things straight. Our team is here to protect your rights, handle the hard conversations with insurers, and fight for the compensation you deserve — so you can focus on healing.
Why Choosing a Local, Experienced Attorney Matters
Local Knowledge: A lawyer in your community knows the local courts, judges, and insurance adjusters, which can be a huge advantage.
Personal Attention: A local attorney is more likely to meet with you in person and give your case the attention it deserves.
Reputation Matters: Ask around – word-of-mouth recommendations from friends, family, or other professionals can help you find a trustworthy lawyer.
Don’t be swayed by gimmicks. Take your time to research and choose a lawyer who has real experience, a strong track record, and will personally fight for your case — not just hand it off to someone else.