A car accident is stressful, frightening, and often confusing—but the steps taken immediately afterward play a major role in protecting your health, your rights, and your ability to recover compensation. In New Jersey, where no-fault insurance rules and specific reporting requirements apply, it is especially important to follow a clear legal checklist. The actions below will help you stay protected from the moment the crash occurs.
1. Ensure Safety and Call 911
Your first responsibility is safety. If vehicles can be moved, relocate them to the side of the road to prevent secondary accidents. Turn on hazard lights and remain at the scene. Call 911 right away, even for minor collisions. New Jersey law requires police involvement when injuries occur or property damage appears significant. The police report created at the scene will later serve as a key piece of evidence when dealing with insurers.
2. Check for Injuries and Seek Medical Care
Assess yourself and others for injuries. Do not assume you are unharmed—whiplash, concussions, and soft-tissue injuries are common and may appear hours later. Allow EMTs to evaluate you and follow up with a doctor as soon as possible. In New Jersey, medical documentation is essential when filing a claim under your Personal Injury Protection (PIP) coverage. Timely treatment strengthens both your medical recovery and your legal case.
3. Exchange Information Properly
Gather the other driver’s:
- Name and contact information
- Driver’s license number
- Insurance company and policy number
- License plate number
Be polite, but do not admit fault or discuss who caused the accident. New Jersey’s comparative negligence system means any statement you make could impact your ability to recover compensation later.
4. Document the Accident Scene
Use your phone to capture as much evidence as possible. Take photos or videos of vehicle damage, the position of the cars, traffic lights or signs, skid marks, road conditions, and any visible injuries. These images help establish what happened and may be vital if liability becomes disputed. If witnesses are present, ask for their names and phone numbers—independent accounts can support your version of events.
5. Request the Police Report Number
Before leaving, ask the responding officer how to obtain the official crash report. Insurance companies and attorneys rely heavily on this document because it includes observations, statements, diagrams, and sometimes preliminary fault assessments.
6. Notify Your Insurance Company Promptly
New Jersey is a no-fault state, meaning your own PIP coverage pays for your medical expenses regardless of who caused the accident. Report the crash to your insurer as soon as possible. Provide basic facts, but avoid giving recorded statements until you have spoken with an attorney. Insurers may try to limit coverage or shift blame, so proceeding carefully is important.
7. Do Not Accept Quick Settlement Offers
You may receive early settlement attempts from the other driver’s insurer. These offers are typically far below the true value of your damages and do not consider long-term medical treatment, lost wages, or pain and suffering. Never sign or accept payment without legal advice.
8. Keep All Documentation Organized
Create a file for every document related to the accident: medical bills, repair invoices, towing charges, prescription receipts, and correspondence with insurance companies. Consistent record-keeping strengthens your claim and allows your attorney to calculate full and fair compensation.
9. Consult a New Jersey Personal Injury Attorney
New Jersey car accident claims involve complex issues like PIP coverage, tort thresholds, and comparative negligence. A knowledgeable attorney can explain your rights, negotiate with insurers, gather additional evidence, and pursue a lawsuit if necessary. Early legal involvement often leads to better outcomes and helps prevent costly mistakes.
Final Thoughts
The moments after a car accident in New Jersey matter more than most drivers realize. By staying calm, documenting everything, and following this legal checklist, you protect your safety and set the foundation for a strong, well-supported insurance or legal claim.