1. Check for injuries and call 911
Your safety comes first. Check yourself and others for injuries and call 911. In Houston, a police report creates an official record of the crash that can be important later. If you can do so safely, move vehicles out of traffic.
2. Document everything at the scene
Use your phone to photograph vehicle damage, the position of the cars, the road, traffic signs, and any visible injuries. Get the other driver's name, license, insurance, and license plate, and the names and numbers of any witnesses.
3. See a doctor — even if you feel fine
Adrenaline can mask injuries, and some (like whiplash or concussions) show up days later. Getting checked promptly protects your health and links any injuries to the crash in your medical records.
4. Be careful with the insurance company
You'll likely hear from an insurance adjuster quickly. You don't have to give a recorded statement or accept the first offer. Adjusters work for the insurer, not for you — it's okay to get advice before settling.
5. Consider talking to an attorney
If anyone was injured or fault is disputed, it can help to talk to a Houston attorney. Most offer a free review and can explain your options before you make decisions you can't undo.
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This guide is general information for educational purposes only. It is not legal advice, does not evaluate your situation, and does not create an attorney-client relationship. Laws change and vary by location — for advice about your specific situation, consult a licensed attorney.