[ 02 / ACCIDENT 101 ]
AFTER THE ACCIDENT.
Clear guidance for a stressful moment.
Start with safety. Then gather the details, understand your repair choices, and take the next step with confidence.
FIRST, SAFETY. For injuries, immediate danger, fire, or another emergency, call 911. Do not drive a vehicle you suspect is unsafe.
ONE STEP AT A TIME.
01
GET SAFE. GET HELP.
Stop and stay at the scene. If it is safe and lawful, move out of traffic. Check for injuries and call for emergency help when needed.
Turn on your hazard lights. Do not stand in traffic or attempt roadside repairs in a dangerous location.
02
GATHER THE DETAILS.
Exchange names, contact information, vehicle details, and insurance information with the other driver. Note the time and location.
When safe, photograph the vehicles, damage, road conditions, and relevant signs. Ask how to obtain any police report. Keep your records together.
03
KNOW YOUR REPAIR CHOICES.
New York consumers have the right to choose their repair shop. Ask for a written estimate and understand the work before authorizing repairs.
Contact your insurer about claim requirements and your policy. Ask about inspections, deductibles, towing, storage, and rental coverage. Coverage and timing depend on your policy and claim.
04
MAKE A CLEAR PLAN.
Call the shop to arrange an inspection. A photo estimate cannot reveal every hidden issue; the repair scope may change after inspection or disassembly.
Ask what happens next, how updates are shared, and what could affect timing. At pickup, review the invoice, completed work, warranty terms, and care instructions.
GOOD QUESTIONS. CLEAR ANSWERS.
Yes. New York consumers may choose the repair shop. Ask your insurer about its claim process, and ask the shop for a written estimate and authorization details.
Visible damage is not the whole picture. Warning lights, leaking fluids, steering changes, damaged lights, tire damage, or a dragging part can indicate a problem. If you are unsure, do not drive; arrange appropriate help.
Timing depends on inspection findings, approvals, parts availability, and the repair your vehicle needs. Ask for updates on your specific repair. An initial estimate does not guarantee a completion date.
General New York guidance, reviewed October 24, 2026. Reporting requirements vary by circumstances. Use the official state resources below for current requirements. This guide does not replace emergency help or advice about your individual claim.
Hours of Operation
- Monday: 7:30am–5:30pm
- Tuesday: 7:30am–5:30pm
- Wednesday: 7:30am–5:00pm
- Thursday: 7:30am–5:30pm
- Friday: 7:30am–5:00pm
- Saturday: 8:00am–12:30pm
- Sunday: Closed