A car accident can be a stressful and overwhelming experience. Whether it’s a minor fender bender or a serious collision, knowing what to do in the aftermath is crucial to protecting your rights and ensuring a smooth recovery process. At Campanella & Campanella, Brothers at Law, we are committed to helping Illinois drivers navigate the legal complexities of car accidents. Here are ten essential steps to take if you find yourself in this situation.
1. Check for Injuries and Call 911
Your health and safety should be your top priority. Check yourself, passengers, and others involved for injuries. Even if the accident seems minor, call 911 to report the accident and request medical assistance if needed. Illinois law requires you to report an accident that results in injury, death, or more than $1,500 in property damage.
2. Move to a Safe Location (If Possible)
If the accident is minor and your car is drivable, move it to the side of the road to avoid blocking traffic. Turn on your hazard lights to alert other drivers. If your vehicle is not safe to move, remain inside with your seatbelt fastened until help arrives.
3. Contact Law Enforcement
Even in minor accidents, it’s crucial to have a police officer document the scene. The responding officer will create an official accident report, which can be valuable evidence when filing an insurance claim or pursuing legal action. Be sure to obtain the accident report number for future reference.
4. Exchange Information
Gather and exchange the following details with the other driver(s) involved:
Full name and contact information
Driver’s license number
License plate number
Insurance company and policy number
Vehicle make, model, and color
Avoid discussing fault or making statements that could be used against you later.
5. Gather Evidence at the Scene
If it is safe to do so, document the accident scene by:
Taking photos and videos of vehicle damage, road conditions, traffic signs, and any visible injuries.
Collecting witness contact information in case their statements are needed later.
Noting weather and lighting conditions that may have contributed to the accident.
6. Seek Medical Attention
If it is safe to do so, document the accident scene by:
Taking photos and videos of vehicle damage, road conditions, traffic signs, and any visible injuries.
Collecting witness contact information in case their statements are needed later.
Noting weather and lighting conditions that may have contributed to the accident.
7. Notify Your Insurance Company
Report the accident to your insurance provider as soon as possible. Provide accurate details, but avoid admitting fault. Your insurer will guide you through the claims process and may request a copy of the police report.
8. Be Cautious When Speaking with Insurance Adjusters
Insurance companies often try to minimize payouts. If the other driver’s insurance adjuster contacts you, be cautious about what you say. Do not accept a settlement or sign any documents without first consulting an attorney.
9. Understand Illinois Car Accident Laws
Illinois follows a fault-based system, meaning the driver responsible for the accident is liable for damages. Additionally:
The state has a two-year statute of limitations for personal injury claims.
Illinois follows a modified comparative negligence rule, which means you can recover damages as long as you are less than 50% at fault for the accident.
Understanding these laws can help you protect your rights in the aftermath of a crash.
10. Contact an Experienced Attorney
If you’ve been injured or are facing disputes with insurance companies, seeking legal guidance is essential. At Campanella & Campanella, Brothers at Law, we have extensive experience handling car accident cases in Illinois. We will fight to ensure you receive the compensation you deserve for medical bills, lost wages, and other damages.
Let’s Talk About Your Case
If you’re ready to meet with an attorney, reach out to Campanella & Campanella, Brothers at Law today. Our experienced legal team is here to provide you with trusted advice and representation. Contact us to schedule your consultation!
