No one plans for a car accident. But when it happens, knowing exactly what to do in those first few moments—and in the days that follow—can protect your health, your rights, and your finances
Whether it’s a fender bender or something more serious, this guide walks you through what to do after a car accident, with insights tailored to drivers in Brentwood, CA, and important tips on how your auto insurance comes into play.
Stay Calm and Stay Safe
Immediately after the accident, your first priority is safety.
- Turn off your engine and turn on hazard lights.
- If the vehicles are in a dangerous location and it’s safe to move, pull over to the side.
- Check for injuries—yourself, passengers, and anyone else involve
If there are injuries or significant damage, call 911 immediately.
Notify Authorities
Even in minor accidents, it’s smart to report the incident to the Brentwood Police Department or California Highway Patrol. A police report provides:
- An official record of what happened
- Documentation for insurance claims
- Protection if the other party changes their story later
In California, you’re legally required to report an accident to the DMV if:
- Anyone is injured (no matter how minor), or
- Damages exceed $1,000
Document Everything
Take photos of:
- All vehicles involved (damage, license plates, VINs)
- Street signs or intersections
- Road conditions, skid marks, debris
- Any visible injuries
Also, write down or record:
- The time and date of the accident
- Weather conditions
- Statements made by other drivers or witnesses
The more documentation you have, the stronger your case for your auto insurance claim in Brentwood CA.
Exchange Information
You must exchange these details with the other driver(s):
- Full name and contact info
- Driver’s license number
- Insurance company and policy number
- Vehicle make, model, and license plate
If law enforcement arrives, they may handle this part—but don’t leave without collecting the info yourself too.
Seek Medical Attention
Even if you feel fine, get checked by a medical professional.
Symptoms like whiplash, concussion, or soft tissue injuries often appear hours or days later. Having a medical record from the day of the accident supports your claim and ensures your health is monitored properly.
Contact Your Insurance Company
As soon as you’re safe, notify your auto insurance provider.
If you’re a Circadian Insurance client or searching for auto insurance in Brentwood, CA, this is where a strong policy shows its value. A good local broker can:
- Walk you through the claims process
- Recommend approved repair shops
- Help manage any third-party claims
When speaking to your insurer:
- Stick to the facts
- Don’t admit fault
- Provide all documentation you gathered
Know Your Rights Under California Law
California is an at-fault state, meaning the party responsible for the accident pays for damages. This means
- You may be entitled to compensation if the other driver is at fault
- Your insurer may pursue the other driver’s insurer (subrogation)
Also, California law recently updated minimum auto insurance liability requirements, effective January 1, 2025:
In California, the minimum auto insurance requirements are $30,000 for bodily injury liability per person, $60,000 per accident, and $15,000 for property damage. These new limits aim to provide greater financial protection after accidents.
If your current policy reflects older limits, it may be time for a review.
Get a Vehicle Damage Estimate
Your insurance provider may recommend a local body shop in Brentwood, or you can get estimates from your preferred mechanics.
Always compare:
- Labor costs
- Warranty coverage
- OEM vs. aftermarket parts
If you have comprehensive or collision coverage, the insurer may pay the repair costs minus your deductible.
Consider Legal Counsel
If there are injuries, disputes over fault, or insurance delays, talk to a personal injury attorney. Many offer free consultations.
Even in straightforward cases, legal guidance can:
- Maximize your settlement
- Protect you from bad-faith insurance practices
- Handle negotiations so you don’t have to
Work with a Local Insurance Broker
Here’s the part most drivers overlook: reviewing your auto insurance after the accident. Why? Most people don’t realize the gaps in their coverage until it’s too late.
If you’re in Brentwood, working with a local broker like Circadian Insurance gives you:
- Customized policy reviews (especially after a claim)
- Access to multiple carriers and coverage types
- Insight into local risks (e.g., high-theft zones, uninsured driver stats)
- Real people who answer the phone—no call centers
Post-Accident Checklist
Here’s a quick-reference recap of what to do:
- Move to safety
- Call 911 if needed
- Exchange info and document the scene
- Notify your insurer
- Get medical attention
- Understand your policy and coverage
- Consider legal help if needed
- Start repairs
- Follow up with your agent or broker
Final Thoughts
The moments after a car accident are stressful—but they don’t have to be chaotic if you’re prepared. That’s why having a strong auto insurance policy in Brentwood CA matters.
With the 2025 legal changes, now’s the time to review your coverage. Do you have:
- Enough liability protection?
- Coverage for uninsured motorists?
- Rental reimbursement?
- Roadside assistance?
At Circadian Insurance Brokers, we help Brentwood drivers protect their cars, their families, and their future. We don’t push policies—you get real advice, top-tier service, and affordable options from California’s most trusted insurers.
Whether you’re switching providers, filing a claim, or just need a second opinion, we’ve got your back.
Call us today or request a quote online in minutes
