By James R. Sterling, JD · June 12, 2026
First: your safety. Get out of traffic if you can do so safely. Call 911. Do not move anyone who may have a spinal injury. Turn on your hazard lights.
Once you're safe:
Even if you feel fine, see a doctor. This is not about being dramatic — it is about documentation. Soft tissue injuries, concussions, and internal injuries frequently don't produce significant pain until 24–72 hours after the event. If you wait to seek treatment, the insurance company will argue that you weren't really hurt, or that the injury was caused by something else in the interim.
Report the accident to your own insurance company. You are required to do this under your policy. You do not, however, need to give a recorded statement to the other driver's insurance company. You have no legal obligation to do so, and recorded statements are frequently used to minimize claims.
Insurance defense attorneys routinely search social media for posts that contradict injury claims. Do not post about the accident. Do not post photos of yourself looking healthy or active. Do not post at all about physical activities until your case is resolved.
This is not about being dishonest. It is about not providing ammunition to an insurance company whose financial incentive is to deny or minimize your claim.
The single most consequential decision you'll make after an accident is whether to get legal representation. The data is consistent across the industry: represented claimants receive substantially higher settlements than unrepresented claimants — often 3–4× more, even after attorney fees are deducted.
A personal injury consultation is free and comes with no obligation. You will learn what your case is worth, what evidence you need to preserve, and whether you should accept the initial offer the insurance company will inevitably make you.
Call us within 72 hours. The consultation is free, confidential, and comes with no obligation to hire us.
Schedule Free ConsultationAbout the Author: James R. Sterling, JD is the founding partner of Sterling Law Group. He has practiced personal injury law for 15 years, recovered over $100 million for injured clients, and is rated AV Preeminent™ by Martindale-Hubbell.