Road accidents can happen in the blink of an eye, but knowing how to respond can make a huge difference. From ensuring safety to handling legal and insurance matters, taking the right steps after an accident is crucial. As the saying goes, “Durghatna se der bhali” — prevention is always better, but preparedness matters too.

Here are the 10 most important steps you should follow after a car accident in India.

1. Stay Calm and Assess the Situation

An accident can be overwhelming, but staying calm is the first priority. Take a deep breath and check yourself and others for injuries. Avoid sudden movements and try to understand the severity of the accident before taking further action.

2. Move to a Safe Location

Turn on your hazard lights immediately. If the vehicle is drivable and no one is seriously injured, move it to the side of the road to prevent traffic disruption. In severe accidents, avoid moving the vehicle unless there is a risk of fire or further harm.

3. Call Emergency Services

Dial 108 for an ambulance if anyone is injured. Even minor injuries should be checked by medical professionals. Also, inform the police by calling 112 or 100, as reporting the accident is important for legal documentation.

4. Seek Medical Attention

Get a medical check-up even if there are no visible injuries. Internal injuries or concussions may not show symptoms immediately. Medical reports also serve as important evidence for insurance and legal claims.

5. Collect Evidence at the Scene

If it is safe to do so, take photos or videos of the accident scene, vehicle damage, number plates, and visible injuries. Collect contact details of witnesses and the other driver involved.

6. Obtain a Medico-Legal Certificate (MLC)

Request a medico-legal certificate from the hospital. An MLC officially documents injuries caused by the accident and is essential for FIRs, compensation claims, and insurance processes.

7. Understand Your Compensation Rights

Under Indian law, accident victims may be eligible for compensation through third-party insurance, no-fault liability, or government schemes in hit-and-run cases. Understanding your rights helps ensure fair compensation.

8. Inform Your Insurance Company

Notify your insurance provider as soon as possible after the accident. Provide accurate details and follow their instructions carefully to avoid claim delays or rejection.

9. File the Insurance Claim

Submit all required documents, including the FIR, medical reports, photographs, and repair estimates. Most insurers initiate the process through a First Notice of Loss (FNOL). Cooperate fully with the surveyor.

10. Arrange Vehicle Repairs

Once the claim is approved, get your vehicle repaired at an insurer-authorized or cashless workshop if available. Check policy coverage and out-of-pocket expenses before proceeding. Installing a dash cam can be helpful for future incidents.

Know Your Legal Rights: Good Samaritan Law

The Good Samaritan Law protects bystanders who help accident victims from legal harassment or liability. This law encourages people to assist the injured without fear of consequences.

Final Thought: Whether you are a driver, passenger, or bystander, staying calm and following the correct steps after a car accident can save lives and prevent complications. Being informed is your best protection on the road.