What to Do After a Car Accident in Ohio: A Step-by-Step Guide

A car accident is stressful, and it's hard to think clearly in the moment. Knowing the general steps ahead of time can help. This is general information — always follow the guidance of law enforcement and emergency responders at the scene, and refer to your specific insurance policy and carrier for claims instructions.

Steps to Take After an Accident in Ohio

• Check for injuries and get to safety. If anyone is hurt, call 911 immediately. If vehicles are drivable and it's safe, move them out of traffic.
• Call the police. A police report can be important documentation. Ohio law requires reporting accidents that involve injury, death, or property damage over a certain threshold.
• Exchange information. Gather names, contact details, driver's license numbers, license plates, and insurance information from other drivers involved.
• Document the scene. Take photos of the vehicles, damage, road conditions, and the surrounding area if it's safe to do so.
• Get witness information if anyone saw what happened.
• Notify your insurance carrier. Report the accident to your insurer according to your policy's instructions.

How Your Insurance Agent Can Help

One advantage of working with a local independent agent is having someone you can call directly when something happens. While claims are handled through your carrier, your agent can help you understand the process and answer questions along the way. We're here to help our clients navigate these situations.

Review Your Coverage Before You Need It

The best time to understand your auto coverage is before an accident. If you're not sure what your current policy includes — or whether your limits are adequate — that's worth a conversation. We're happy to review your coverage with you.

Who We Serve

We work with drivers across Westlake, Mayfield, North Olmsted, Bay Village, Rocky River, Avon, and all of Northeast Ohio. Call or text us anytime.