What to avoid after a collision: Tips for a smooth insurance claim process

If you've been in a car accident, it can be a disorienting and stressful experience. Between making sure everyone is safe, sharing information after a collision, and dealing with damage to your vehicle, it's easy to feel overwhelmed and make mistakes. Knowing what to avoid after an accident can help you navigate the insurance claim process without delays.

In this article, we’ll cover what to avoid doing after a collision to ensure your claim process goes as smoothly as possible.

1. Don't agree to anything without speaking to your insurer. Contact your insurance provider immediately for help with the next steps, such as towing and repairs.

Do not agree to have your vehicle towed or repairs started without first contacting your insurer. Call your insurance provider as soon as possible following the collision. They can help you with the next steps, including providing information on where to take your vehicle for repairs and arranging a rental car if needed. 

They can also ensure that your vehicle is towed by a reliable tow truck service and taken to a trusted repair shop. Using an insurance-approved repair shop helps ensure that repairs are covered under your policy and prevents potential disputes about repair costs. 

2. Don’t share excessive personal information – Only provide necessary details to the other driver.

When sharing information after a collision, limit the details to only what's required:

• Name and contact information
• Driver’s license and license plate number
• Insurance information, including provider name and policy number
• Vehicle make and model
• Names of any passengers and their position in the vehicle

You don't need to provide your home address, Social Insurance Number, or other detailed personal information. Stick to the basics, and record the other driver's necessary details for your insurance claim report.

3. Don’t admit fault at the scene – Let insurance professionals determine the details.

In the moments after a collision, it's natural to want to apologize—even if the accident wasn't your fault. Avoid admitting fault at the collision scene, as this could work against you during the insurance claim process. Insurance adjusters will use police reports, witness statements, and damage assessments to determine who was at fault.

Instead, focus on calmly exchanging information after a collision, taking pictures of the scene, and letting the insurance professionals handle it—that's what they're there for.

4. Don't sign blank work order forms or agreements. Always understand what you're agreeing to so you can protect yourself from unexpected costs. 

Never sign a blank work order form or any documents from tow operators, repair shops, or car rental agencies without understanding precisely what you're agreeing to. By carefully reading everything before signing, you're ensuring you don't fall victim to fraudulent charges that could complicate your insurance claim. If you're unsure, it's okay to politely say that you'd like to review the document first or contact your insurance provider for guidance. 

5. Don’t accept a cash settlement – Protect yourself from hidden costs.

Sometimes, the other driver will suggest settling things between yourselves and offering cash on the spot to avoid involving insurance companies. While it might sound tempting to save time and hassle, resist the urge to accept any cash payments.

Initial damage estimates can be misleading. What looks like a minor dent could involve significant hidden damage that costs much more to repair. If you accept cash and later realize the damage is more extensive, you'll be left covering the additional costs out of pocket. By involving your insurance company, you can ensure a thorough assessment will be conducted to account for all the damages.

6. Don’t forget to document everything – Thorough documentation strengthens your insurance claim.

It might feel overwhelming in the aftermath of a collision, but failing to document the scene thoroughly can harm your insurance claim. Take pictures of everything, including: 

• All vehicles involved
• The surrounding area
• Any visible injuries
• Weather conditions

The more information you gather, the stronger your insurance claim will be.

Detailed documentation helps provide a clear picture of what happened, which can be helpful if the other driver disputes your version of events. It also helps your insurance company understand the full scope of the damage and process your claim without delays.

Protect yourself and your claim

We know that collisions are stressful, but knowing what not to do can make a big difference when filing an insurance claim. Insurance companies are here to protect you but rely on you to provide accurate information and follow proper procedures. In doing so, you protect your rights and help streamline the entire claims process.

If you are still determining what steps to take, remember that your insurance provider is there to guide you. Don't hesitate to reach out for advice—their support can be invaluable in the aftermath of an accident. Stay safe, stay informed, and know that you have the tools to navigate this challenging situation with confidence.

Request a quote from Orbit Insurance Services today for reliable auto insurance coverage. Our expert team is here to provide the guidance and peace of mind you deserve.

If you're a current Orbit customer and have questions about your current car insurance policy or want to discuss your coverage options, contact an insurance broker today.