What to do after a car accident in NJ
The minutes after a crash are confusing. This is a plain checklist for New Jersey drivers, in the order that tends to matter. Our accident line is answered 24/7 if you want a person to talk it through.
Illustrative image, not a photo of our shop.
Step by step
- Check for injuries and get safeCall 911 if anyone is hurt. If the car can move and it is safe, pull out of traffic and turn on your hazards.
- Call the policeIn New Jersey, you must report a crash that causes injury, death or property damage above the legal threshold. When in doubt, call and ask for a report number.
- Exchange informationCollect names, phone numbers, insurance company and policy numbers, license plates and vehicle descriptions.
- Document everythingPhotograph all vehicles, the road, signs, skid marks and visible injuries. Note the time, weather and witnesses.
- Get your car somewhere safeYou can choose where your car is towed. Call us and we can help arrange towing assistance to our shop.
- Report the claimTell your insurer promptly. Stick to facts and avoid guessing about fault.
- Get a free estimateBring the car or send photos. You choose the shop, and we will help with the claim paperwork.
What not to do
Do not admit fault at the scene, even to be polite. Do not sign tow or repair paperwork you have not read. Do not agree to a cash settlement on the roadside before you know the repair cost, since hidden damage is common.
Do not skip medical care because you feel fine. Adrenaline hides injuries, and some show up days later.
Your right to choose a repair shop
New Jersey law gives you the right to choose a licensed repair shop. Your insurer may suggest shops, but it cannot require one. Choosing Proline, or any shop, does not change your coverage.
This is general information, not legal advice. Related: how to file a claim, insurance and your right to choose a shop, 24-hour accident assistance.
Questions, answered
Do I have to call the police after a minor accident in NJ?
Report any crash with injury or death. Property damage above the legal threshold must also be reported. If unsure, call. A report helps your claim.
Should I move my car after an accident?
If it is drivable and staying puts you at risk, move to a safe place after taking photos if you can. Otherwise leave it and wait for help.
How soon should I tell my insurance company?
As soon as practical. Most policies require prompt notice.
Can I get an estimate before I file a claim?
Yes. A free estimate helps you decide whether the repair exceeds your deductible.
Who pays if the other driver was at fault?
Their liability coverage may pay, or you can use your own collision coverage and let insurers sort it out. Ask your insurer about the best route for your situation.
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