Education · After an Accident

What to Do After a Car Accident

Step-by-step, in the order it matters.

After a car accident in Maryland, the right steps in the right order protect your health, your legal rights, and your insurance claim. Here's a clear sequence — copy or screenshot this for your glove box.

Airpark Auto Collision of Gaithersburg — 7615 Rickenbacker Dr, Suite C, Gaithersburg, MD 20879. Call (301) 908-0606

Safety First
Injuries, then hazards
Call Police
Always — get the report number
Document Heavily
Photos, witnesses, conditions
Don't Admit Fault
Maryland contributory negligence
File the Claim
Same day if possible
Choose Your Shop
Your legal right

1. Safety first

Check yourself and your passengers for injuries. Call 911 if anyone is hurt. If the vehicles are drivable and blocking traffic, move them safely to the shoulder. Turn on hazard lights.

2. Call the police

In Maryland, call the police for any accident involving injury, fatality, or property damage. Get the responding officer's name, badge number, and incident report number — you'll need it for your claim.

3. Document everything

Photograph all damage (close-ups and wide shots), the scene, license plates, the other driver's license and insurance card, road conditions, and any visible injuries. Get contact info from witnesses. Don't post about the accident on social media.

4. Don't admit fault

Maryland is a pure contributory negligence state — if you're even 1% at fault, you may be unable to recover from the other driver. Be polite, be factual, but don't apologize or admit fault to anyone except your own attorney or insurance.

5. File your insurance claim

Call your insurance company as soon as you're safe. Most carriers have 24/7 claim lines and mobile apps that walk you through photo documentation. Get your claim number — you'll need it at the body shop.

6. Choose your body shop

Maryland law gives you the right to choose any body shop, regardless of what your insurance recommends. Bring your claim number to Airpark Auto Collision and we handle the rest — estimates, supplements, parts approvals, direct billing.

Frequently asked questions

Do I have to call the police for a minor accident?

In Maryland, you must call the police for accidents involving injury or significant property damage. For very minor parking lot incidents with no injury, you can exchange information and report to your insurance directly — but calling police is always safer.

How long do I have to file an insurance claim?

Most policies require prompt notification — usually within 24–72 hours. The sooner you file, the easier everything else is.

What if the other driver doesn't have insurance?

Your uninsured motorist coverage (required in Maryland) covers your damages. File the claim through your own policy.

Should I get my car towed or drive it home?

Only drive if it's clearly safe — no fluid leaks, no airbag deployment, no structural damage, lights working. When in doubt, tow.