What to Do After a Car Accident in California

A step-by-step guide to staying calm,
collecting information, and filing your claim properly.

Getting into a car accident—whether it's a fender bender or something more serious—can be overwhelming. But knowing what to do before it happens can help you stay calm, safe, and protected.

At CST Insurance Services, we’ve helped countless Californians navigate the aftermath of accidents. Here’s your step-by-step guide.

Check for Injuries & Stay Safe

• First, check yourself and passengers for injuries.

• If it’s serious, call 911 immediately.

• Move to a safe location if you can. If not, stay in your vehicle with hazard lights on.
  

  Call the Police (When Needed)

• In California, you're required to file a police report if anyone is injured or there’s significant damage.

• For minor accidents, you can still request an officer or file a report later through the DMV.
  

  Document the Scene

• Take photos and video of:

• All vehicles involved (including license plates)

• Damage to each car

• Street signs, traffic lights, and skid marks

• Write down what happened while it’s fresh in your memory.
  
  Exchange Information

Collect the following from the other driver(s):

• Full name and contact info

• Driver’s license number

• Insurance company and policy number

• License plate number

• Vehicle make, model, and year
  

Also get contact info for any witnesses.

  Notify Your Insurance Company

• Call or file online with your insurance provider ASAP.

• Be honest and provide all requested documents and photos.

• Ask about your deductible, rental coverage, and the next steps.
  

Get a Repair Estimate

• Your insurer may send an adjuster or direct you to an approved repair shop.

• Keep all receipts if you pay for anything out of pocket.
  

  Keep a Record

• Document every phone call, email, and conversation related to your claim.

• Save all reports, photos, and forms in one place (digital or printed).
  

Extra Tips for California Drivers

• You must report an accident to the DMV within 10 days if:

  Anyone was injured or killed

  Use form SR-1 to report the accident to the DMV.

Final Thoughts

Accidents are stressful—but knowing what to do ahead of time makes all the difference. At CST Insurance Services, we’re here to support you through every step of the claims process.

In an accident or need help filing a claim? Contact CST and let our team guide you through it with care and clarity.