The First 72 Hours: What to Do Right Now
Get medical attention immediately
Even if you feel fine. Adrenaline masks pain. Soft tissue injuries, concussions, and spinal issues often don't show symptoms for hours or days.
Document everything
Photos of the scene, damage, injuries. Get the police report number. Exchange insurance info with all parties.
Don't give a recorded statement
The other driver's insurance company will call you. You are not obligated to give them a recorded statement. Politely decline until you've spoken with an advocate.
Contact Accident Care Group
We'll connect you with appropriate medical providers and help navigate your insurance coverage — at no out-of-pocket cost to you.
Why You Shouldn't Just Use Your Health Insurance
After a car accident, many people make the mistake of simply using their regular health insurance to treat their injuries. Here's why that can be a problem:
- Your health insurer may place a lien on any future settlement, meaning they get paid back first.
- You may face high copays and deductibles for injuries that weren't your fault.
- Accident-related coverage (Med-Pay, PIP) exists specifically for these situations and often covers 100% of treatment costs.
Med-Pay & PIP: What They Are and Why They Matter
Medical Payments Coverage (Med-Pay) and Personal Injury Protection (PIP) are built into most auto insurance policies. They cover medical expenses regardless of who was at fault.
- Med-Pay covers medical bills, ambulance rides, and sometimes funeral expenses up to your policy limit.
- PIP may also cover lost wages and essential services you can't perform while injured.
- These benefits are available immediately — no need to wait for a settlement.
Most people don't know they have this coverage. We help you understand and use what you're already paying for.