Whether it’s a minor fender bender, or a major collision, about 6 million Americans are involved in automobile collisions annually.  So, what can you do to ensure you get the proper care and attention you need without jeopardizing your car insurance claim? The first step is never to admit fault, even if you suspect you had done something wrong. This doesn’t just go for the other party involved, but also to your fellow passengers, witnesses, police or your insurance company. When you are involved in a collision, your emotional state can be altered, so it’s in your best interest to not attempt settling the claim until you are thinking clearly. Get any medical attention you may need first, and let your car insurance company handle the rest.

Even if you don’t have any symptomatic injuries, you should always seek medical attention. Sometimes symptoms of more serious injuries and trauma will not appear until hours or even days after the incident. If you wait to seek medical attention, it can be harder to prove your injuries were a result of the accident. It’s also a good idea to photograph any visible injuries, even if they are minor. Have a friend or family member snap some pictures of any cuts, bruises, or scrapes immediately following the event, and then any progression in the days following it. This can come in very handy if the claim ends up going to court.

Keep a detailed trail of notes during every step of the experience. Write down the names of any medical professionals who assisted you in the process, the manner in which the accident occurred, the name of the other party involved and any details about your experience with insurance companies. This in addition to a copy of a police report will ensure that your attorney will have all of the evidence necessary to get started on your behalf.

Source: DMV