By Grove Higgins, D.C.
A car crash can be a disorienting and frightening experience. Whether it's a minor fender bender or a major collision, knowing what to do in the moments and days after a car crash can make all the difference in your health and your peace of mind. Here’s a simple guide on how to handle the aftermath.
1. Call It What It Is: A Car Crash
First off, let’s reframe the situation. It’s a car crash, not an accident. The term “accident” often implies that nothing could have been done to prevent it, but the truth is that most crashes result from human error or negligence. Using the correct term can help ensure you get the appropriate attention and support you need, both legally and medically.
2. Safety First: Assess the Situation
Immediately after the crash, make sure that you and your passengers are safe. If it’s safe to do so, move to a secure location away from traffic and turn on your hazard lights. If anyone is injured, call 911 immediately for emergency medical help.
3. Contact the Authorities
Even if the crash seems minor, contacting local law enforcement is important. A police report can be critical later when dealing with insurance claims or legal disputes.
4. Exchange Information
Exchange contact, insurance, and vehicle details with the other driver(s) involved. Take pictures of the vehicles, the scene, and any visible damage. If there are witnesses, ask for their contact information, as this may be helpful later.
5. Document the Scene
Take pictures of the vehicles, including the interior of your vehicle to show airbag deployment, seat position, and general condition. Also take pictures of the scene, such as road conditions, lights, signage, and skid marks. Do this if it can be done safely.
6. File a Claim and Understand MedPay
Report the crash to your insurance company as soon as possible. If you have MedPay (Medical Payments Coverage) as part of your car insurance policy, it will help pay for medical expenses for you and your passengers, regardless of who was at fault. MedPay can be a great relief to cover immediate expenses without waiting for a liability decision.
7. Seek Medical Attention Right Away
After a car crash, seeing a healthcare professional is crucial even if you feel fine. Symptoms of whiplash, concussions, or soft tissue injuries might not show up immediately but can cause long-term damage if left untreated.
Emergency Room or Primary Care Physician: If you are experiencing severe pain or any alarming symptoms, go directly to the ER or contact your primary care doctor.
Chiropractor or Physical Therapist: See a chiropractor or physical therapist soon after the crash is also advisable. These specialists are trained to detect, document, and treat soft tissue and musculoskeletal injuries common in car crashes.
8. Consult with a Personal Injury Attorney
Many personal injury (PI) attorneys offer free consultations, which can be helpful even if you don't plan on pursuing legal action. They can advise you on dealing with insurance companies and whether MedPay or other coverage applies.
9. Document Your Recovery
Keep detailed records of your symptoms, doctor visits, and any expenses related to the crash. This information will be valuable if you need to prove damages for insurance or legal purposes.
The Bottom Line
No one expects a car crash, but having a plan in place can make a chaotic situation more manageable. Take care of your health first, understand your insurance options like MedPay, and don’t hesitate to seek the medical and legal advice you need to recover fully.
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