Last Updated on June 16, 2025 by The Insurance Pros
🚗 What to Do After a Michigan Auto Accident (2025 Guide)
Whether it’s a fender bender or a serious crash, being in a car accident can be overwhelming. Knowing what to do next is crucial for your safety, your legal rights, and your insurance claim.
Here’s a step-by-step guide tailored to Michigan drivers to help you handle the situation with confidence.
✅ Step 1: Check for Injuries and Call 911 🚨
Your health comes first. Please promptly assess yourself and your passengers for any injuries. If anyone is hurt, call 911 and request medical assistance.
Seek medical attention from paramedics, even if there are no visible injuries, as some symptoms may manifest later.
✅ Step 2: Stay Safe and Alert Other Drivers
- Turn on hazard lights
- Use warning triangles or flares if available
- Move vehicle to a safe location if it’s minor and safe to do so
✅ Step 3: Contact the Police and File a Report
In Michigan, report any accident that causes injury, death, or property damage over $1,000.
If the police are unable to respond, please file a report yourself at the nearest station or online. Click the link for the steps to 📋 request a copy of the Michigan police report.
✅ Step 4: Exchange Information with the Other Driver
- Full name, phone, and address
- Driver’s license number
- Vehicle details (year, make, model, license plate)
- Insurance company and policy number
✅ Step 5: Document the Accident Scene Thoroughly
- Write down a summary of what happened
- Take photos of vehicles, damage, roads, and signs
- Note weather and lighting conditions
✅ Step 6: Notify Your Insurance Agent Immediately
Report the accident with all details gathered.
Please provide the agent with photos, report information, and the contact details for the other driver.
👉 Get help or request a quote now
🚗 What to Keep in Your Car for Accident Emergencies
- Insurance card and vehicle registration
- Flashlight, flares, jumper cables
- First-aid kit and disposable camera
- Pen and notebook
🛑 What If the Other Driver Is Uninsured?
Stay calm. Collect their information and photos. Contact your insurer to see what coverage is needed if the other driver is uninsured.
➡️ Read: What to Do If the Driver Has No Insurance
