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Read it below or save it for later. It's yours to keep.

You're already represented. Since you've already hired a lawyer for this accident, we won't pass your information to any of our legal partners. Your guide is still yours to keep, and we've included a few questions worth asking your attorney below.
Even without an injury, timing matters. Property damage and other losses can still have deadlines. Your guide covers the steps that apply regardless of whether you were hurt.

What to Do in the First 30 Days After an Accident

BuzzlineNews Consumer Safety Desk · Reader Resource

1 Get medical attention first — even if you feel fine

Some of the most common accident injuries — whiplash, concussions, soft tissue damage — don't show symptoms for hours or days. Waiting can hurt both your health and your ability to document what happened.

  • See a doctor within 24–72 hours of the accident
  • Tell them specifically that you were in an accident
  • Keep every discharge paper, receipt, and treatment note
  • Follow the treatment plan — gaps in care are often used against claimants

2 Document everything while it's fresh

Memory fades and evidence disappears. The week after an accident is the most valuable window you have.

  • Photograph vehicle damage, the scene, and any visible injuries
  • Get names and numbers for every witness
  • Request the police report number and a copy
  • Write down what happened in your own words, same day
  • Save any dashcam, doorbell, or business surveillance footage requests in writing

3 Be careful on calls with insurance adjusters

An adjuster's job is to resolve the claim for as little as possible. That doesn't make them dishonest — it just means the conversation isn't designed to help you.

  • You are not required to give a recorded statement to the other driver's insurer
  • Stick to facts: date, location, vehicles involved
  • Avoid speculating about fault, speed, or your injuries
  • Don't discuss your medical history or pre-existing conditions
  • It's fine to say: "I'd like to review this and get back to you."

4 Don't sign a release or accept a quick settlement

The first offer is rarely the final one, and a signed release usually ends your claim permanently — even if your injuries turn out to be worse than expected.

  • Wait until you're at maximum medical improvement before settling
  • Get the full policy limits in writing before discussing numbers
  • Understand what you're giving up before you sign anything

5 Know that deadlines are already running

Most states set a statute of limitations for personal injury claims, typically between one and three years from the date of the accident. Some claims — especially against government entities — require notice in as little as 60 to 180 days.

  • Write down your accident date and keep it somewhere you'll find it
  • Check your state's deadline — don't assume you have years
  • Government-owned vehicles and public property have much shorter windows

6 Keep one folder for everything

The single habit that separates organized claims from chaotic ones is a single place for every document.

  • Police report and accident photos
  • Medical bills, treatment notes, and imaging
  • Repair estimates and rental car receipts
  • Pay stubs if you missed work
  • A running log of every call: date, name, company, what was said