Being involved in an auto accident can be overwhelming — even a minor one. In the moments immediately following a crash, it’s easy to feel uncertain about what to do next. This guide is designed to help you stay calm, make smart decisions, and protect yourself legally, medically, and financially.

At O’Malley Boldt Insurance, we believe informed clients are better protected. Bookmark this page or keep it handy so you know exactly what to do if an accident ever occurs.

You can download a copy of the checklist here.

Step 1: Make Safety the First Priority

Your safety — and the safety of others — always comes first.

• Check yourself and your passengers for injuries.

• If anyone is hurt, call 911 immediately.

• If it’s safe to do so, move vehicles out of traffic to prevent further accidents.

• Turn on hazard lights and set out flares or warning triangles if available.

Even if injuries seem minor, it’s important to take them seriously. Some symptoms may not appear right away.

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Step 2: Call the Police

In most situations, you should contact local law enforcement to report the accident.

• A police report provides an official record of the incident.

• Officers can help manage traffic and document details.

• Many insurance claims require a police report, especially when there is property damage or injuries.

Be factual and cooperative, but avoid speculating about fault at the scene.

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Step 3: Document the Accident Scene

If you’re able, gather as much information as possible while still at the scene.

Take photos of:

• Vehicle damage (all vehicles involved)

• License plates

• Road conditions, traffic signs, and skid marks

• The overall accident scene from multiple angles

Collect information from the other driver(s):

• Name and contact information

• Driver’s license number

• Insurance company and policy number

• Vehicle make, model, and year

If there are witnesses, ask for their names and contact details as well.

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Step 4: Be Careful What You Say

Emotions often run high after an accident, but it’s important to be mindful of your words.

• Do not admit fault or apologize, even casually.

• Avoid discussing details of the accident with anyone other than law enforcement, your insurance carrier, or your agent.

• Stick to facts when speaking with police.

Fault determination is complex and should be left to insurers and authorities.

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Step 5: Seek Medical Attention

Even if you feel fine, it’s wise to get checked by a medical professional as soon as possible.

• Some injuries (such as whiplash or concussions) may not show symptoms immediately.

• Medical documentation helps protect your health and your insurance claim.

Follow all medical recommendations and keep records of visits, treatments, and expenses.

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Step 6: Contact Your Insurance Agent Promptly

As soon as it’s safe, notify your insurance agent about the accident.

At O’Malley Boldt Insurance, we’re here to guide you through the claims process and advocate on your behalf. We can help you:

• Understand what your policy covers

• Coordinate next steps with the insurance carrier

• Answer questions about repairs, rentals, or medical claims

The sooner we’re involved, the smoother the process tends to be.

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Step 7: Keep Detailed Records

Organization matters during a claim.

Be sure to save:

• The police report number

• Photos and videos from the scene

• Medical bills and repair estimates

• Notes from conversations with insurers or repair shops

These records can be critical if questions arise later.

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Step 8: Know What Not to Do

After an accident, avoid these common mistakes:

• Don’t delay reporting the accident to your insurer

• Don’t sign documents you don’t understand

• Don’t accept a settlement without reviewing it carefully

• Don’t post details about the accident on social media

When in doubt, reach out to your agent for guidance.

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How O’Malley Boldt Insurance Helps After an Accident

An accident doesn’t end when the vehicles are moved — that’s when the insurance process begins. Our team works with you to ensure your claim is handled efficiently and fairly.

We help by:

• Explaining your coverage in clear terms

• Assisting with claims coordination

• Helping you navigate repairs, rentals, and reimbursements

• Reviewing your coverage afterward to ensure you’re properly protected moving forward

Our goal is to reduce stress and help you get back on the road with confidence.

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Need Help or Have Questions?

If you’ve been involved in an accident — or simply want to be better prepared — we’re here to help.

📞 Contact O’Malley Boldt Insurance to speak with an experienced advisor who will guide you through the next steps and ensure your coverage works the way it should.