Step-by-step: what to do at the scene, how to file your insurance claim, and why choosing the right body shop matters for your repair.
Getting into an accident is stressful, and it is easy to forget important steps in the moment. Here is a clear, step-by-step guide for what to do after a collision in Chicago.
At the Scene
1. Check for injuries first. If anyone is hurt, call 911 immediately. Do not move injured individuals unless there is an immediate danger (fire, traffic).
2. Move to safety if possible. If the vehicles are drivable and no one is seriously hurt, move them out of traffic. Turn on hazard lights.
3. Call the police. In Illinois, you are required to report accidents that involve injury, death, or property damage over $1,500. Even for minor fender benders, a police report protects you if the other party later disputes the facts.
4. Document everything. Take photos of:
- All vehicles involved (all four sides, license plates)
- Damage close-ups
- The intersection or road location
- Any skid marks or road conditions
- The other driver's insurance card and license
5. Exchange information. Name, phone, insurance company, policy number, driver's license number, and license plate of every involved driver.
6. Get witness information. If anyone stopped to help or saw the accident, get their name and contact number.
Filing Your Insurance Claim
Contact your insurance company as soon as you are safely away from the scene. Most have 24-hour claims lines. Key points:
- Stick to the facts. Do not speculate about fault or apologize.
- Ask for a claim number immediately.
- Ask whether you have rental coverage — you may be entitled to a loaner while your vehicle is being repaired.
- You have the right to choose your own body shop in Illinois — your insurer cannot require you to use a specific shop.
Choosing the Right Body Shop
This decision matters more than most people realize. An inexperienced or under-equipped shop can return a vehicle that looks fine but has structural weaknesses that compromise safety in a future accident.
Look for:
- I-CAR Gold Class certification or manufacturer certifications
- Written warranty on all repairs
- Reviews that mention quality, not just price
- Shops that work directly with your insurance company
At One Stop Auto Solutions, we handle all makes and models, work with all major insurance carriers, and warranty our collision work. Call us at (773) 961-7593 or visit us at 4535 N Kedzie Ave, Chicago, IL 60625.