No one plans for a car accident. But when it happens, knowing exactly what to do in those first few moments—and in the days that follow—can protect your health, your rights, and your finances
Whether it’s a fender bender or something more serious, this guide walks you through what to do after a car accident, with insights tailored to drivers in Brentwood, CA, and important tips on how your auto insurance comes into play.
Immediately after the accident, your first priority is safety.
If there are injuries or significant damage, call 911 immediately.
Even in minor accidents, it’s smart to report the incident to the Brentwood Police Department or California Highway Patrol. A police report provides:
In California, you're legally required to report an accident to the DMV if:
Take photos of:
Also, write down or record:
The more documentation you have, the stronger your case for your auto insurance claim in Brentwood CA.
You must exchange these details with the other driver(s):
If law enforcement arrives, they may handle this part—but don’t leave without collecting the info yourself too.
Even if you feel fine, get checked by a medical professional.
Symptoms like whiplash, concussion, or soft tissue injuries often appear hours or days later. Having a medical record from the day of the accident supports your claim and ensures your health is monitored properly.
As soon as you're safe, notify your auto insurance provider.
If you're a Circadian Insurance client or searching for auto insurance in Brentwood, CA, this is where a strong policy shows its value. A good local broker can:
When speaking to your insurer:
California is an at-fault state, meaning the party responsible for the accident pays for damages. This means
Also, California law recently updated minimum auto insurance liability requirements, effective January 1, 2025:
In California, the minimum auto insurance requirements are $30,000 for bodily injury liability per person, $60,000 per accident, and $15,000 for property damage. These new limits aim to provide greater financial protection after accidents.
If your current policy reflects older limits, it may be time for a review.
Your insurance provider may recommend a local body shop in Brentwood, or you can get estimates from your preferred mechanics.
Always compare:
If you have comprehensive or collision coverage, the insurer may pay the repair costs minus your deductible.
If there are injuries, disputes over fault, or insurance delays, talk to a personal injury attorney. Many offer free consultations.
Even in straightforward cases, legal guidance can:
Here’s the part most drivers overlook: reviewing your auto insurance after the accident. Why? Most people don’t realize the gaps in their coverage until it’s too late.
If you're in Brentwood, working with a local broker like Circadian Insurance gives you:
Here’s a quick-reference recap of what to do:
The moments after a car accident are stressful—but they don’t have to be chaotic if you’re prepared. That’s why having a strong auto insurance policy in Brentwood CA matters.
With the 2025 legal changes, now’s the time to review your coverage. Do you have:
At Circadian Insurance Brokers, we help Brentwood drivers protect their cars, their families, and their future. We don’t push policies—you get real advice, top-tier service, and affordable options from California’s most trusted insurers.
Whether you’re switching providers, filing a claim, or just need a second opinion, we’ve got your back.
Call us today or request a quote online in minutes
