What To Do After a Car Accident That's Not Your Fault [2025 Guide]

Fault in Car Accidents

Determining fault is one of the most critical aspects of handling a car accident claim.

The motor vehicle driver responsible for the crash is typically liable for damages, including medical bills, vehicle repairs, and lost wages.

Proving fault is not always straightforward.

Insurance companies often conduct their own investigations and may dispute liability, even when the other driver was clearly at fault.

Many accident victims assume that because they were not responsible, they will automatically receive compensation.

Insurers frequently minimize payouts or argue that both parties involved share some level of blame, all in an effort to reduce the insurance coverage that they have to pay.

In states with comparative negligence laws, even a small percentage of fault on your part can reduce your settlement.

This is why gathering strong evidence, such as police reports, witness statements, and accident scene photos, is crucial.

Establishing clear liability from the outset can help prevent delays, disputes, and inadequate settlement offers from insurance companies of other parties.

Steps To Take Immediately After an Accident

Being involved in an accident that wasn’t your fault can be overwhelming, but taking the right steps immediately can protect your claim and ensure your safety.

Steps to take immediately after an accident includes:

1. Check for Injuries and Call 911
2. Move to a Safe Location (If Possible)
3. Call the Police and Obtain an Official Report
4. Gather Evidence at the Scene
5. Avoid Admitting Fault or Apologizing
6. Seek Medical Attention Immediately
7. Notify Your Insurance Company
8. Do Not Give a Recorded Statement to the Other Driver’s Insurance
9. Keep Track of Expenses and Injury Symptoms
10. Consult a Car Accident Lawyer If Necessary

1. Check for Injuries and Call 911

Your first priority is safety. Check yourself and any passengers for injuries.

Even if no one appears seriously hurt, call 911 to report the accident.

Some injuries, such as whiplash or internal trauma, may not be immediately obvious but can worsen over time or become permanent issues.

Paramedics can assess the situation and provide necessary medical assistance.

2. Move to a Safe Location (If Possible)

If the accident is minor and it is safe to do so, move your vehicle to the side of the road to prevent further collisions.

If there are significant damages or injuries, leave the vehicles where they are and wait for authorities.

Turn on your hazard lights to alert other drivers.

3. Call the Police and Obtain an Official Report

A police report is a crucial piece of evidence when proving fault.

The responding officer will document the accident scene, interview witnesses, and determine initial liability.

Be honest but stick to the facts when speaking with law enforcement.

Never admit fault or speculate about what happened. Request a copy of the police report or get the officer’s name and badge number to follow up later.

4. Gather Evidence at the Scene

The more evidence you collect, the stronger your case will be.

What to document includes:

• Photos and Videos: Take clear pictures of vehicle damage, license plates, skid marks, traffic signs, road conditions, and any visible injuries. If possible, record a short video showing the entire accident scene.
• Witness Statements: If bystanders saw the crash, ask for their contact information and a brief statement. Witnesses can provide unbiased accounts that may strengthen your case.
• Other Driver’s Information: Get their name, phone number, insurance details, and driver’s license number. If they are reluctant to provide information, wait for the police to arrive.
• Accident Details: Write down the time, date, weather conditions, and anything unusual about the scene. If there were road hazards or malfunctioning traffic signals, note them.

5. Avoid Admitting Fault or Apologizing

Even if you believe the accident wasn’t your fault, avoid saying anything that could be interpreted as an admission of guilt.

Statements like “I didn’t see you” or “I’m sorry” might be used against you in an insurance claim.

Stick to the facts and let the police and insurers determine liability.

6. Seek Medical Attention Immediately

Even if you feel fine, it’s essential to see a doctor as soon as possible.

Some injuries, like concussions or soft tissue damage, take hours or days to appear.

A medical evaluation not only protects your health but also creates a record linking your injuries to the accident, which is vital for your claim.

Delaying medical care can weaken your case, as insurers may argue that your injuries were not serious or were unrelated to the accident.

7. Notify Your Insurance Company

Call your insurance provider and report the accident.

Even though the other driver is at fault, your insurer needs to be aware of the situation.

They may offer assistance, such as covering immediate medical bills under personal injury protection (PIP) or uninsured motorist coverage if applicable.

Be honest and provide only the necessary details — avoid speculating about fault or injuries.

8. Do Not Give a Recorded Statement to the Other Driver’s Insurance

The at-fault driver’s insurer may contact you for a statement.

Be cautious — insurance adjusters often look for ways to reduce payouts by twisting your words.

Instead of speaking with them directly, refer them to your attorney or insurer.

If you must communicate, keep responses brief and factual.

9. Keep Track of Expenses and Injury Symptoms

Start a file with all accident-related documents, including medical bills, repair estimates, prescription costs, and lost wages.

Keep a journal of how your injuries affect your daily life.

This includes documenting pain levels, mobility limitations, and emotional distress.

These records will be valuable in proving the full extent of your damages, especially if you need to pursue legal action.

10. Consult a Car Accident Lawyer If Necessary

If you experience difficulties with the insurance process, such as denied claims, low settlement offers, or delays, consult a car accident attorney.

A lawyer can help gather additional evidence, negotiate with insurers, and take legal action if needed.

They also make sure you don’t settle for less than you deserve.

By following these steps, you can protect your rights, strengthen your claim, and improve your chances of securing fair compensation for your damages.

Filing a Claim for Auto Accidents

After taking the necessary steps at the accident scene, the next critical phase is filing an insurance claim.

While the other driver may have caused the accident, their insurance company won’t automatically pay out a fair settlement.

Understanding the claims process and potential challenges can help you navigate this stage effectively.

1. Reporting the Accident to Your Insurance Provider

Regardless of who is at fault, you should notify your own insurance company about being involved in the accident as soon as possible.

Many policies require prompt reporting, and failure to do so could result in complications or even the denial of certain coverage benefits.

When speaking to your insurer:

• Provide factual details, such as the location, time, and nature of the accident.
• Avoid making definitive statements about fault. Instead, let the investigation determine liability.
• Share any evidence you’ve gathered, including police reports, photos, and witness information.

Even though you’re not at fault, your insurance provider may help with expenses such as medical bills or vehicle repairs under certain types of coverage depending on your auto insurance policy (and if you reside in one of the no-fault states).

They will later seek reimbursement from the at-fault driver’s insurer.

2. Filing a Claim With the At-Fault Driver’s Insurance

To recover compensation for damages, you will need to file a third-party claim with the at-fault driver’s insurance company.

This involves:

• Contacting their insurer to report the claim.
• Providing evidence that supports your claim, including the police report and medical records.
• Requesting an inspection for vehicle damage and obtaining repair estimates.

Once the claim is submitted, the insurance adjuster assigned to your case will review the evidence, assess liability, and determine how much they are willing to pay.

The process isn’t always straightforward.

3. Challenges You May Face With Insurance Companies

Insurance companies operate to protect their bottom line, which means they often look for ways to minimize payouts.

Common obstacles include:

• Disputed Liability: The at-fault driver’s insurer may argue that their policyholder wasn’t entirely responsible for the accident or may attempt to shift some blame onto you to reduce their financial responsibility.
• Low Settlement Offers: Even when liability is clear, insurers often make initial settlement offers that are far below what victims truly need to cover medical expenses, lost wages, and other damages.
• Delays in Payment: Some insurers intentionally slow down the claims process, hoping claimants will accept a lower offer out of frustration or financial necessity.

If you encounter any of these challenges, you may need to push back by providing additional evidence, seeking multiple repair estimates, or negotiating more aggressively.

4. Understanding Settlement Offers and Negotiation

Once the insurance company makes an offer, it’s crucial to evaluate whether it covers the full extent of your losses.

Things to consider include:

• Does it account for all medical expenses, including ongoing treatments or physical therapy?
• Has the adjuster factored in lost income if your injuries prevent you from working?
• Are pain and suffering damages included, or is the insurer only offering reimbursement for tangible costs?

If the settlement offer is too low, you have the right to negotiate.

Steps to try include:

• Provide additional documentation, such as medical records or expert assessments.
• Emphasize long-term impacts, such as chronic pain or reduced earning capacity.
• Counter the offer with a demand letter outlining why a higher amount is justified.

While some negotiations can be resolved directly, insurers often resist paying fair compensation.

If discussions stall, legal action may be necessary.

5. When Legal Action Becomes Necessary

If the at-fault driver’s insurance company refuses to offer a reasonable settlement or if you’ve been injured in the accident, you may need to escalate the matter by taking legal steps.

This includes:

• Hiring a Car Accident Lawyer: An attorney can negotiate with the insurance company on your behalf, strengthening your case with expert testimony, medical reports, and accident reconstruction analysis.
• Filing a Lawsuit: If negotiations fail, you have the option to file a personal injury lawsuit against the at-fault driver. This legal action pressures insurers to offer fair compensation, as they often prefer to settle rather than go to trial.
• Going to Court: Over 90% of car accident claims are settled outside of court. However, if a fair settlement cannot be reached, your case may proceed to trial, where a judge or jury will determine the compensation amount.

6. Protecting Your Rights Throughout the Process

To improve your chances of receiving fair compensation, we recommend following these best practices.

Steps include:

• Act promptly. Insurance claims have deadlines, and personal injury lawsuits must be filed within the statute of limitations (which varies by state).
• Keep all records. Maintain documentation of medical treatments, repair costs, lost wages, and any communication with insurance adjusters.
• Be cautious with statements. Avoid giving recorded statements to the at-fault driver’s insurer without legal advice, as they may use your words to devalue your claim.

Filing a claim after an accident that wasn’t your fault can be complex, but understanding the process helps you stay prepared.

Whether negotiating a settlement or seeking legal help, taking the right steps ensures you don’t settle for less than you deserve.

The Role of a Car Accident Lawyer

The aftermath of a car accident that wasn’t your fault can be overwhelming, especially when dealing with insurance companies that prioritize their profits over fair compensation.

Car accident lawyers like us play a critical role in ensuring victims receive the financial recovery they deserve and the insurance company of the at-fault party pay damages.

From handling communication with insurers to gathering evidence and calculating damages, we provide invaluable support throughout the claims process.

Protecting Your Rights Against Insurance Companies

Insurance adjusters are trained to minimize payouts, often using tactics such as those we outlined above.

A car accident lawyer levels the playing field by handling all communication on your behalf.

We make sure that you do not say anything that could be misinterpreted to weaken your claim.

Having legal representation also signals to the insurance company that you are serious about securing fair compensation, which can lead to more reasonable settlement offers and an improved financial situation.

Building a Strong Case for Compensation

To maximize the value of a claim, a lawyer gathers crucial evidence that establishes liability and the full extent of your damages.

We obtain police reports, medical records, accident scene photographs, and witness statements to support your case.

In some instances, we work with accident reconstruction experts to provide a detailed analysis of how the crash occurred and who was responsible.

This thorough approach strengthens the claim and reduces the chances of the insurance company disputing fault or undervaluing losses.

Calculating the True Cost of Damages

Many accident victims underestimate the financial impact of their injuries, focusing only on immediate medical bills and vehicle repairs.

A lawyer considers all potential damages, including lost wages, reduced earning capacity, ongoing medical treatments, rehabilitation costs, and emotional distress.

Pain and suffering, which can be challenging to quantify, are also factored into the claim.

By presenting a comprehensive assessment of damages, we can ensure that victims are not left covering unexpected expenses out of pocket.

Negotiating a Fair Settlement

Settlement negotiations with insurance companies can be difficult, as adjusters often use tactics designed to wear victims down and pressure them into accepting less than they deserve.

A car accident lawyer uses experience and legal knowledge to counter these tactics, advocating for a settlement that reflects the full extent of damages.

We rely on medical experts, economic analysts, and other specialists to arrive at an actual cash value, increasing the likelihood of securing fair compensation without the need for a lawsuit.

Filing a Lawsuit When Necessary

If negotiations fail and the insurance company refuses to offer a reasonable settlement, filing a lawsuit may be the best course of action.

A lawyer guides victims through the litigation process, handling all court filings, depositions, and legal proceedings.

In many cases, the mere threat of a lawsuit prompts insurers to offer a more favorable settlement to avoid the risks and costs associated with going to trial.

If the case does go to court, the attorney presents a compelling argument before a judge or jury to secure the best possible outcome.

Providing Peace of Mind

Dealing with the legal and financial aspects of a car accident can be stressful, especially for those recovering from injuries.

Hiring a lawyer allows victims to focus on their health and recovery while knowing that their case is in capable hands.

The guidance and support of a legal professional make the process more manageable, ensuring that every step is taken to achieve the best possible result.

TorHoerman Law: Experienced Car Accident Attorneys

Taking the right steps after a car accident that wasn’t your fault can make all the difference in securing fair compensation.

From gathering evidence at the scene to filing an insurance claim and seeking legal representation, each action plays a crucial role in protecting your rights and financial future.

Unfortunately, insurance companies often prioritize their bottom line over victim recovery, making it essential to be proactive and well-informed.

When faced with disputed liability, low settlement offers, or delayed payments, consulting a car accident lawyer can be the key to a successful claim.

We can help ensure that insurance companies take your case seriously, negotiate aggressively on your behalf, and, if necessary, fight for your rights in court.

No one should have to bear the financial burden of an accident they didn’t cause.

By following the right steps and seeking legal guidance when needed, victims can focus on their recovery while securing the compensation they deserve.

Contact us today to schedule a free consultation about your case.