Every year, roughly 6 million car accidents occur on U.S. roads. Most drivers believe they know what to do when one happens. Call 911, exchange information, contact insurance. Simple enough. But the gap between what people think they should do and what actually protects their health, finances, and legal rights is wider than most realize. […]

It is one of the most common questions people have in the hours and days after a car accident, and the answer is almost always more complicated and more urgent than people want to hear. How long you have to report a car accident to your insurance company depends on several overlapping factors including your […]

The seconds after a car accident are among the most psychologically disorienting moments most people will experience outside of a genuine emergency. Your heart rate spikes, your hands shake, and your brain starts processing half a dozen things at once. In the middle of all that, you have to get out of your vehicle and […]

The other driver is already out of their car, the damage looks superficial, and everyone seems fine. Calling the police feels like an overreaction. It will slow everything down, create paperwork, and the other driver is being perfectly reasonable about the whole thing. Why not just swap insurance information and get on with your day? […]