What to Do After a Car Accident in St. Paul (Checklist)

In the first ten minutes after a crash: get safe, call 911, photograph everything, exchange information, and say nothing about fault. Then see a doctor the same day even if you feel fine. Everything else can wait until tomorrow.

That is the whole checklist compressed. What follows is the reasoning, because a list you understand is a list you will actually follow while your hands are shaking.

The first ten minutes

1. Check for injuries and get out of the traffic lane if you safely can. Secondary collisions happen to people standing beside disabled cars. Hazards on, and stand behind a barrier if there is one.

2. Call 911. Even for something minor. Most states require reporting a crash involving injury or property damage above a dollar threshold, and the report itself is worth having regardless. It records who was there, what they said, and what the scene looked like, from someone with no stake in the outcome.

3. Do not discuss fault. Not because you are hiding anything, but because "I'm so sorry, I didn't see you" is a reflex, not an analysis, and it will be quoted back to you. Check that the other person is okay. Skip the apology.

4. Photograph before anything moves, if it is safe to. This is the only moment this evidence exists.

The photo list

Take more than you think you need. Nobody has ever regretted having too many.

• Wide shots from several angles showing where both vehicles ended up relative to lanes, signals, and each other
• All four corners of both vehicles, close up
• License plates of every vehicle involved
• The other driver's license and insurance card — photograph them rather than copying numbers by hand
• Traffic signals, stop signs, lane markings, and any obstructed sightlines
• Skid marks, debris fields, fluid trails
• Road and weather conditions, including how much light there was
• Any visible injuries, yours and your passengers'
• The interior, if airbags deployed

Then look around for cameras. Businesses, doorbells, traffic cameras, a bus stopped nearby. Note the addresses. Most of those systems overwrite themselves within days or weeks, so knowing where to ask is genuinely valuable and only takes thirty seconds at the scene.

Get witness information, not witness reassurance

People say "I saw the whole thing, that was totally his fault," and then they drive away and you never speak to them again. Get a name and a phone number. It is the piece of the scene most often skipped and the one that most often decides a disputed liability case.

Medical care, and the 72-hour problem

Adrenaline is remarkably good at masking injury. Whiplash, concussion symptoms, and soft-tissue damage very commonly show up a day to three days later, which is exactly the window in which people decide they are fine.

Get evaluated the same day if there is any symptom at all — headache, neck stiffness, numbness, nausea, ringing, or simply feeling off. Two reasons, in order of importance:

1. Some of these injuries are worse than they feel at hour one.
2. A gap between the crash and your first medical record is the most common and most effective argument an insurer uses to reduce a claim. Not because it proves anything, but because it lets them ask why you waited.

If you do start treatment, follow through with it. Scattered attendance is used the same way a delay is.

Notifying insurance

Report the crash to your own insurer promptly. Your policy almost certainly requires it, and it is not an admission of anything.

The other driver's insurer will also call, often faster than expected. That adjuster is not your enemy and not your friend. Their job is to resolve the claim for the least defensible amount, and they are good at it.

Some practical ground rules:

• Facts, not narrative. Date, time, location, vehicles, and that you are being evaluated medically.
• "I don't know yet" is a complete answer about your injuries. Because you don't.
• Do not sign a blanket medical authorization. A broad release lets them pull your entire medical history looking for anything pre-existing.
• Do not agree to a recorded statement on day two unless you understand why you are doing it.
• Do not post about it. A photograph of you at a wedding three weeks later, cropped and context-free, will be shown to somebody.

The coverages people forget they have

Before you conclude there is no money available, check your own declarations page for:

• Uninsured / underinsured motorist (UM/UIM). Pays when the at-fault driver has no insurance or not enough. This is the most valuable coverage most people do not know they bought.
• Medical payments (MedPay) or personal injury protection (PIP). Pays medical bills regardless of fault, and pays early, which matters when treatment starts before any settlement.
• Rental reimbursement.

Two of these can apply to the same crash, and the sequence in which you use them is worth asking about before you settle anything.

Before you sign anything

Every route out of a crash ends at the same document: a release. Signing it closes the claim for good, including for treatment you have not had yet, and there is no version of this where it reopens in March because your neck got worse.

Which makes the order of operations matter more than the speed. Total the medical bills, add whatever work you actually missed, and only then look at the number on the table.

Property damage alone is largely mechanical. Two repair estimates, your car's pre-loss value, and documentation instead of indignation. Plenty of people settle that themselves and do perfectly well.

Injuries change the arithmetic, because the bills are not final on the day the offer arrives. Where treatment is continuing, fault is contested, or a commercial vehicle was in the crash, our guide to whether you need a lawyer sets out which situations justify a case review and which honestly do not.

The one thing to remember

Deadlines are real, and they are shorter than most people assume — particularly if a government vehicle or public entity is involved, where written notice is often required within months. Life after a crash is chaotic, and claims die quietly while people are busy getting through the week.

St. Paul Personal Injury Lawyers is a referral service rather than a law firm. If you have worked down this checklist in St. Paul or the Twin Cities and are now looking at an offer, a deadline, or a release you were asked to sign today, it will put you in front of a car accident attorney who reads where the claim currently stands and tells you, without charge, whether it qualifies as one to hand over rather than finish yourself. No fee to ask, and no commitment once you have the answer. A commercial truck or a motorcycle in the crash changes that analysis, and those pages explain how.

Call (833) 968-5178 or use the form on this site. This article is information, not legal advice.