The minutes, days and weeks after a crash can shape both your recovery and your claim. Here’s what to do.
At the scene
- Check for injuries and call 911. Michigan law requires reporting a crash to police when anyone is hurt or property damage appears to be $1,000 or more.
- Move to safety if you can do so safely.
- Exchange information — names, phone numbers, insurance, license plates and vehicle owners.
- Photograph everything: vehicles, damage, the scene, road conditions, traffic signals, skid marks and your injuries.
- Get witnesses’ names and numbers.
- Don’t apologize or guess about fault. Stick to the facts.
In the days after
- Get medical care — even if you feel fine. Some injuries, like concussions and soft-tissue injuries, appear hours or days later. Gaps in treatment are used against you.
- Report the crash to your own auto insurer promptly so your no-fault PIP claim starts. Learn about PIP benefits.
- Get the police report.
- Avoid recorded statements to the other driver’s insurer until you’ve talked to a lawyer.
- Keep records of medical visits, bills, missed work, mileage and household help you need.
- Stay off social media about the crash and your activities.
Deadlines to know
- Written notice of your no-fault PIP claim to the insurer generally within one year.
- A lawsuit against the at-fault driver generally within three years.
- Your own policy may have shorter notice requirements for uninsured or underinsured motorist claims.
- Claims involving government vehicles or road defects can require notice within months.
Questions about your crash? Get a free case review or call (248) 212-7263.