The first 24 hours after a car accident are critical. What you do — and don't do — during this window can significantly impact your ability to recover compensation.
At the Scene
Call 911. Even if injuries seem minor, a police report creates an official record of the accident. Colorado law requires you to report any accident involving injury, death, or property damage over $1,000.
Document everything. Use your phone to photograph the vehicles, the scene, road conditions, traffic signals, skid marks, and any visible injuries. Get the other driver's insurance information and the names and numbers of witnesses.
Don't admit fault. Be polite, but don't apologize or say "it was my fault." Colorado follows a modified comparative negligence rule — if you're found more than 50% at fault, you can't recover damages.
After Leaving the Scene
Seek medical attention immediately. Even if you feel fine, many injuries — particularly whiplash, concussions, and soft tissue damage — don't present symptoms for hours or days. A medical record linking your injuries to the accident is essential evidence.
Notify your insurance company. Report the accident to your own insurer, but stick to the facts. Don't give a recorded statement to the other driver's insurance company without speaking to an attorney first.
When to Call a Lawyer
Contact an attorney if you've been injured, if fault is disputed, if the other driver was uninsured, or if the insurance company is pressuring you to settle quickly. The initial consultation is free, and it could save you thousands.