What to Do After a Car Accident


January 30, 2026

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According to the Department of Health (DOH) data,  there are around 235 vehicle accidents every day in Metro Manila alone. Car accidents can be stressful and confusing, even if they are minor. Knowing the right steps to take afterward can save you time, money, and frustration, especially when it comes to dealing with insurance. Here’s a clear guide to help you navigate the process.

1. Ensure Safety First
Immediately after an accident, check yourself and others for injuries. If anyone is hurt, call emergency services right away. Move to a safe location if possible, but avoid leaving the scene until authorities arrive. Your safety and that of others come before anything else.

2. Notify the Authorities
Even for minor accidents, filing a police report is crucial. A police report acts as an official record. Make sure to get the report number and the responding officer’s contact details.

3. Document the Accident
Take clear photos of the accident scene, vehicle damage, and any visible injuries. Collect details of the third party, including name, contact information, license plate number, and insurance details. If there are witnesses, note their names and phone numbers. 

4. Contact Your Insurance Company
Notify your insurance provider as soon as possible, even if the accident seems minor. This is also the best time to review your policy and understand what is covered, including vehicle damage, medical expenses, and liability.

In the Philippines, Compulsory Third Party Liability (CTPL) insurance is a mandatory legal requirement for motor vehicle registration with the LTO. It covers bodily injury or death of third parties. However, for more complete protection, Paramount’s Comprehensive Motor Insurance provides coverage for accidents, theft, and even nature’s unexpected surprises. For more information, visit: https://plgic.ph/ComprehensiveMotorInsurance

Car accidents are stressful, but knowing the right steps can protect your finances and well-being. Always prioritize safety, document thoroughly, and communicate clearly with your insurance provider. By following these tips, you can handle the aftermath of a car accident confidently and efficiently.




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