What to Do After a Car Accident in Pennsylvania: Step-by-Step Guide
Car accidents happen fast—and they’re overwhelming. Whether it’s a minor fender bender or a serious collision, knowing what to do after a car accident in Pennsylvania can help protect your health, your finances, and your insurance claim.
Follow this step-by-step guide to stay calm, stay safe, and ensure you're covered.
Step 1: Check for Injuries and Call 911
Make sure everyone is safe. If anyone is injured, call 911 immediately. Even if injuries seem minor, it’s best to have a medical professional evaluate the situation.
Step 2: Move to Safety (If You Can)
If the accident is minor and the vehicles are drivable, move them to the side of the road. Turn on your hazard lights to alert other drivers. If the vehicles can't be moved, stay inside with your seatbelt on until help arrives.
Step 3: Exchange Information
Get the following from the other driver(s):
Name and contact info
Insurance company and policy number
Driver's license number
License plate number
Make, model, and color of the vehicle
Step 4: Document the Scene
Take photos and videos of:
Vehicle damage
Road conditions
Skid marks or debris
Surroundings (intersections, signs, etc.)
Also note the time, date, and weather conditions.
Step 5: File a Police Report (If Required)
In Pennsylvania, you're legally required to report a crash if:
Someone is injured or killed
A vehicle is so damaged it can't be driven
Even if it isn’t required, having an official report can help when filing your claim.
Step 6: Notify Your Insurance Company
Call your insurance provider as soon as possible. Provide them with:
A description of what happened
Photos and documentation
Contact info for the other driver(s)
If you're working with Ebensburg Insurance, we'll walk you through every step of the process.
Step 7: Watch for Symptoms
Some injuries—like whiplash or concussions—don't show up immediately. Visit a doctor if anything feels off in the days following the crash.
Step 8: Review Your Policy
After the dust settles, take time to review your auto insurance policy. Make sure it still meets your needs based on:
Deductible amount
Rental car coverage
Medical payment limits
Collision and comprehensive coverage
Need Help After an Accident?
Accidents are stressful. Filing a claim shouldn't be.
At Ebensburg Insurance, we help drivers throughout Cambria County navigate the claims process with confidence.
Reach out today for a free coverage review or to ask us anything about what to do after an accident.
Serving Ebensburg, Bellwood, Carrolltown, Northern Cambria, and beyond.
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