A simple, step-by-step checklist to keep you safe, protect your claim, and get your vehicle repaired the right way.
Important: If anyone is injured, call 911 immediately.
1) Check for injuries and get to safety
- Check yourself and passengers for injuries.
- If vehicles are drivable and it's safe, move to the shoulder or a nearby lot.
- Turn on hazard lights and set out warning triangles if available.
- If you suspect injuries, neck/back pain, or feel unsafe, stay put and wait for help.
2) Call 911 and file a report
In Bloomington, calling 911 is often the safest choice after a crash-especially if there are injuries, significant damage, a suspected impaired driver, or a disagreement about what happened.- Ask for police and medical assistance if needed.
- Request an incident/report number and write it down.
- Be honest and factual-avoid guessing or assigning blame at the scene.
Tip: If you're near Indiana University, game days and heavy traffic can complicate towing and response times. Stay calm, stay visible, and follow officer instructions.
3) Exchange info and document everything
Collect the essentials before anyone leaves:
- Driver name, phone, address
- Insurance company + policy number
- Driver's license number
- Vehicle make/model/year + license plate
- Photos of all vehicles, damage, and the overall scene
- Witness names and phone numbers (if available)
Photo checklist
- All four corners of each vehicle
- Close-ups of damage
- Road conditions, skid marks, debris
- Traffic signs/signals nearby
- Any visible injuries (if appropriate)
4) Notify your insurance (and know your rights)
Contact your insurance company as soon as you can. Provide the facts and your photos. You have the right to choose your repair shop - you do not have to use a shop the insurer suggests.
- Ask what your coverages include (rental, towing, glass, etc.).
- Confirm your deductible and how payment will work.
- Keep claim notes: dates, names, and what was discussed.
5) Avoid common mistakes that can hurt your claim
- Don't admit fault-even casual apologies can be misconstrued.
- Don't delay medical care if you feel pain later.
- Don't sign anything you don't understand at the scene.
- Don't accept a "cash deal" without documenting the crash.
- Don't wash the vehicle if paint transfer or evidence matters.
6) Get a repair estimate from a trusted collision center
After a crash, repairs can involve more than what you can see-bumper reinforcements, sensors, alignment issues, and structural components can be affected. A professional inspection helps identify hidden damage and ensures safe repairs.Need an estimate in Bloomington?
Curry Collision Center helps drivers with collision repair, insurance coordination, and quality repairs you can trust.
What to bring to your estimate
- Claim number (if you have one)
- Insurance info
- Photos from the scene
- Police report number (if available)
FAQs
Do I have to use the insurance company's "preferred" body shop?
In most cases, you can choose the repair shop you trust. Insurers may recommend shops, but you typically have the right to select where your vehicle is repaired.
Should I get more than one estimate?
It can help for comparison, but the most important thing is that the shop performs a thorough inspection and explains hidden damage and repair procedures clearly.
What if my car seems drivable after the accident?
Even if it drives, you may have hidden damage to the bumper structure, alignment, suspension, or safety systems. Schedule an inspection before driving long distances.
How long will collision repairs take?
Timing depends on damage severity, parts availability, and insurance approval. A collision center can provide an estimated timeline after teardown and parts confirmation.
Serving Bloomington and surrounding areas
We help drivers throughout Bloomington and nearby communities in Monroe County. If you were in an accident and need help, contact us for guidance and an estimate.
Disclaimer: This page provides general information and is not legal or medical advice. For emergencies, call 911.