What to do after an accident —
a simple, organized checklist.
Use this guide to stay on track. Claimsy can also turn your emails and documents into a packet-ready case file.
Educational only — not legal advice.
The 7-day checklist
Stay organized and protect your claim. These steps help you build a strong foundation.
The first 24 hours
Get medical care if needed (Emergency? call 911 / ER).
Why: Your health comes first. Records also document injuries immediately.
Write down what happened (notes while it's fresh).
Why: Memory fades quickly. Details help establish facts later.
Collect photos and contact info if available.
Why: Visual evidence and witnesses are crucial for liability.
Save insurer/adjuster emails in one place.
Why: Keeps communication organized for your claim file.
Do not sign settlement offers immediately.
Why: Early offers often undervalue long-term costs.
While details are fresh
Locate the police/incident report instructions.
Why: Official reports are key evidence for insurance.
Track symptoms and appointments.
Why: Pain may appear days later. Document everything.
Save repair estimates and receipts.
Why: Proof of property damage costs.
Notify your insurance company.
Why: Most policies require prompt notification.
Build your foundation
Organize bills, records, and correspondence.
Why: A tidy claim file speeds up every later step.
Follow up on the police report.
Why: Reports can take days to be released — stay on it.
Review your insurance coverage and limits.
Why: Know what's covered before negotiating.
Consider a consultation if injuries are significant.
Why: An attorney can protect you from lowball offers.
Rules and timelines vary by state and insurer. This is a general guide, not legal advice.
Common documents you'll need
A complete packet makes your claim faster and stronger. Collect these as you go.
Police / Incident Report
Source: Police Dept / Store Manager
Medical Records & Bills
Source: Hospitals, Doctors, Therapists
Repair Estimates
Source: Body Shop / Mechanic
Photos & Video
Source: Your Phone / Witnesses
Insurance Letters
Source: Insurance Companies
Wage Verification
Source: Employer HR Dept
Deadlines you don't want to miss.
Missing a response can delay your claim or cause a denial — and missing the statute of limitations can end it. We help you track every request.
Statute of limitations
Every state sets a hard deadline to file a lawsuit — often 1 to 4 years from the accident, but it varies by state and case type. Miss it and your claim may be barred entirely.
Requests for documents
Insurers often have strict windows for receiving proof.
Appointment follow-ups
Gaps in treatment can be used to devalue your injury.
Insurer questions
Timely responses show you are cooperating.
Provider billing notices
Avoid collections by tracking bill status.
Statutes of limitations vary by state and case type. This is general information, not legal advice — confirm your deadline with a licensed attorney.
Upcoming tasks
2 urgentWhen to get help
You don't have to do this alone. Find the right professionals if you need them.
Talk to a lawyer (optional)
If you're unsure about your rights, dealing with serious injuries, or liability is disputed, talking to a licensed attorney can help you understand your options.
Compare attorneysDisclosure: Sponsored listings labeled. Claimsy does not endorse attorneys.
Claimsy is not a law firm and does not provide legal advice.
Find care (optional)
If you need treatment, you can search for providers near you. We can help you find specialists who understand accident injuries and medical liens.
Find careDisclosure: Not medical advice.
Providers may pay for advertising placement. Verify credentials independently.
Letter templates (drafts)
Professional templates to help you communicate clearly.
You approve before anything is sent. These are drafts for you to review, edit, and send.
Request for medical records
To [Provider Name]: I am writing to request a complete copy of my medical records regarding treatment received on...
Wage verification request
To [Employer]: Please verify my employment status and lost wages due to absence following my accident on...
Follow-up email to adjuster
To [Adjuster]: I am following up on claim #[Number]. I have not received a response regarding...
Personal notes / incident summary
Date: [Date] | Time: [Time] | Location: [Location] | Weather: [Conditions] | Description of event...
Common questions
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Claimsy builds your timeline, organizes documents, and tracks deadlines — starting from a 2-minute story.
Not legal advice. You control what's shared.