After a car accident, one of the first questions people ask is: “Should I call the insurance company first?” The short answer is: Yes — but only after ensuring safety and contacting emergency services.
Your first priority should be health and safety. Call 911 if anyone is injured or if there’s significant damage. Once that’s handled, contact your own insurance company — even if the accident wasn’t your fault. Reporting promptly shows that you’re being responsible and helps avoid complications in the claim process.
However, avoid admitting fault or giving too much detail at the scene — stick to the facts. Let the insurance investigators determine responsibility based on the evidence.
In some cases, especially if the other driver is at fault, you may also need to contact their insurance company to file a third-party claim. But let your insurer guide you through this.
Also, if you’re not sure whether to file a claim — like for minor damage — you can call your insurance company for advice without officially filing. Most have a claims helpline or app for quick access.
In summary: safety first, then insurance. But yes — don’t delay informing your insurer.