What to Do After a Car Accident in New York

The moments after a car accident are among the most critical for protecting both your health and your legal rights. In the chaos and confusion following a collision, it's easy to make mistakes that can cost you thousands of dollars in your injury claim. This guide walks you through exactly what to do after a car accident in New York, step by step.

Step 1: Check for Injuries and Call 911

Your first priority is safety. Check yourself and your passengers for injuries. If anyone is injured, call 911 immediately. Even if injuries seem minor, having paramedics evaluate you creates an important medical record. In New York, you are required to report any accident involving injury, death, or property damage exceeding $1,000 to the police.

Step 2: Move to Safety If Possible

If your vehicle is drivable and you're not seriously injured, move to the shoulder or a safe location to avoid blocking traffic and risking additional collisions. Turn on your hazard lights.

Step 3: Exchange Information

Collect the following from all drivers involved: full name, phone number, insurance company and policy number, driver's license number, license plate number, and vehicle make/model/color. Also note the location, time, and weather conditions.

Step 4: Document Everything

Use your phone to photograph the accident scene from multiple angles, including vehicle damage, road conditions, traffic signs, skid marks, and any visible injuries. This evidence is invaluable for your claim.

Step 5: Get Witness Information

If anyone witnessed the accident, get their name and phone number. Independent witness testimony can be crucial in disputed liability cases.

Step 6: Seek Medical Attention Within 24-72 Hours

Even if you feel fine at the scene, see a doctor within 24-72 hours. Many serious injuries — including whiplash, concussions, and internal bleeding — have delayed symptoms. New York's no-fault insurance requires you to seek treatment within 30 days, but insurance companies use any delay against you.

Step 7: Report to Your Insurance Company

New York law requires you to report the accident to your insurance company promptly. Stick to the facts and do not speculate about fault or the extent of your injuries.

Step 8: Consult with a Personal Injury Attorney

Before accepting any settlement offer or giving recorded statements to the other driver's insurance company, consult with an experienced personal injury attorney. Insurance adjusters are trained to minimize payouts, and early legal guidance protects your rights.

What NOT to Do After an Accident:

Do not admit fault or apologize at the scene. Do not give recorded statements to the other driver's insurance company without legal counsel. Do not post about the accident on social media. Do not accept a quick settlement offer without understanding the full extent of your injuries.