Even a small car crash can shake you up. It may not seem serious, but how you respond matters. Taking the right steps protects you and your ability to recover costs later.
Check for injuries and move to safety
First, check if anyone is hurt. If so, call 911 right away. If everyone feels okay, move the vehicles to a safe spot like the shoulder or a parking lot. Turn on hazard lights so others see you. Even in a fender bender, staying alert helps prevent further trouble.
Exchange information with the other driver
Swap names, contact details, and insurance info with the other driver. Take a photo of their license plate and driver’s license. Be polite but avoid discussing fault. Keep your statements simple and factual. What you say could later affect your claim.
Document the scene carefully
Use your phone to take pictures of both vehicles, the road, any skid marks, and traffic signs. If there are witnesses, ask for their contact information. Write down the time, location, and weather conditions. The more details you collect now, the stronger your report will be later.
File a police report if required
In Kentucky, you must report a crash if there’s injury, death, or more than $500 in damage. Even if the crash feels minor, filing a report can protect you. Ask for a copy of the police report when it’s ready.
Follow up with your insurance company
Let your insurance company know what happened as soon as possible. Give them the facts and any photos or documents you collected. Prompt reporting helps speed up the process and reduces the chance of delays.
Stay aware even after you leave
Keep an eye out for pain or injuries that show up later. If something feels off, see a doctor right away. Not all crash-related issues appear right away, especially soft tissue injuries.
What feels like a small crash can still cause problems down the road. When you know what steps to follow, you give yourself a better chance to recover. These actions help protect your health and your financial well-being.
