If no one was hurt, a crash usually becomes a property damage claim handled by insurers. Many people resolve these without a lawyer, but there are exceptions.
What you can claim
- Repair costs or the vehicle's value if it is totaled.
- Towing and storage.
- A rental car or loss-of-use compensation in many states.
- Sometimes diminished value, meaning the drop in value after a repair.
Steps to take
- Report the crash and get a police report if available.
- Take photos of damage and the scene.
- Report to your insurer and give notice to the other driver's insurer.
- Get repair estimates from reputable shops.
- Keep records of costs and communications.
Hidden injuries
Some injuries, such as whiplash, appear hours or days later. If you develop symptoms, see a doctor and tell the insurer, because a settlement of the property claim should not accidentally release injury claims.
When to get legal help
Consider a lawyer if fault is disputed, the insurer undervalues the vehicle, the other driver is uninsured or the damage is large. See our guide to car insurance claims being denied.
Frequently asked questions
Do I need to see a doctor if I feel fine?
It is wise after any significant impact.
Can I sue for property damage?
Yes, often in small claims court if the insurer will not pay.