What To Do After A Trucking Accident
A Step-By-Step Guide To Protect Your Health, Your Rights, And Your Future
You’re shaking. Your heart’s pounding. Your car’s wrecked and there’s a massive semi-truck sitting sideways across the road. You’ve never been in anything like this before — and now your brain’s spinning.
Am I hurt?
What do I do now?
Was it my fault?
What if I say the wrong thing and screw up my insurance claim?
Sound familiar?
We’d like to thank our friends from Culpepper Law Group for the following discussion about what to do after a trucking accident to protect your health, your rights, and your future.
If you’ve just been in an accident with a large truck — or you’re trying to deal with the fallout — it’s completely normal to feel overwhelmed. Trucking accidents are different. You’re not just dealing with another driver; you’re up against a commercial company, a big insurance provider, and maybe even a legal team working to protect them.
You don’t have to figure it all out at once. But you do need to take a few smart steps early on to protect yourself — physically, financially, and legally.
That’s what this guide will give you: a clear, step-by-step breakdown of what to do after a truck accident. It’s written in plain English, without the scare tactics or legal jargon. Just practical advice that helps you stay in control, even when things feel like they’re spinning out of it.
Check For Injuries And Move To Safety
The first few moments after a truck accident can feel like a blur. But your safety — and the safety of anyone else involved — has to come first.
If you’re able to move, check yourself for injuries. Don’t brush anything off — adrenaline can mask serious pain. If others are in your vehicle, check on them too.
If your car can still move and you’re in traffic, pull over — but only if it’s safe. If the vehicle is badly damaged, stay inside with your hazard lights on and seatbelt fastened.
And don’t skip calling 911 — even if you feel fine. According to the CDC, nearly one in five traumatic brain injuries from car crashes show no symptoms right away. What feels like a headache or dizziness could actually be something far more serious.
Quick recap:
- Check yourself and others for injuries.
- Call 911 — even if the crash seems minor.
- Move your car if it’s safe. If not, stay put with hazards on.
- Don’t try to “walk it off” — let the professionals assess you.
Call Emergency Services
Always call 911 — no matter how minor the accident seems. Truck accidents often involve significant property damage and complex liability issues.
Ask for both police and medical assistance. The police will create a formal report, which becomes critical evidence later. Paramedics will evaluate everyone at the scene — even if they feel okay.
Without a police report, it’s your word against the truck driver’s. And trust us — the trucking company will already be getting their version of the story on record.
What to say when you call 911:
- Give your exact location (mile markers, exits, landmarks).
- Report how many vehicles are involved.
- Mention any known or suspected injuries.
Pro tip: If you didn’t call 911 at the scene, file a police report as soon as you can — it’s harder, but still important.
Quick recap:
- Always call 911 after a truck accident.
- Request both police and medical response.
- Give clear info and follow their instructions.
- The police report will protect you later — don’t skip it.
Gather Evidence At The Scene
If it’s safe and you’re able, start documenting everything with your phone. What you capture now could be the key to proving what really happened later.
Take photos and videos of:
- Damage to all vehicles.
- License plates.
- Truck company logos.
- Skid marks, road signs, debris, weather.
- Any visible injuries.
Get this information from the truck driver:
- Name and contact info.
- Driver’s license.
- Trucking company name.
- Insurance details.
Also collect:
- Names and numbers of any witnesses.
Be polite, but careful. Don’t argue or admit anything. Stick to facts.
Real-world example:
A driver in Arizona was sideswiped by a commercial truck. The trucker claimed the car made an unsafe pass — but the driver had photos showing clear lane markings and damage that disproved the story. That evidence led to a full settlement.
Quick recap:
- Use your phone to document everything.
- Get contact and insurance info.
- Don’t admit fault — keep it factual.
- Witnesses can make or break a claim — get their info.
Don’t Admit Fault — To Anyone
This is critical: don’t say “sorry,” “I didn’t see you,” or anything that sounds like an admission.
You may feel rattled or unsure, but those words can be used against you later by insurance companies. Stick to the facts and avoid discussing who caused the accident.
What to say instead:
- “Let’s wait for the police to get here.”
- “I’ll provide a statement once I’ve had time to process.”
Quick recap:
- Avoid apologizing or speculating.
- Stick to facts.
- Let investigators determine fault — not you.
Get Medical Attention — Even If You Feel Okay
Adrenaline can mask injuries for hours or days. Many serious problems — like whiplash, soft tissue damage, or concussions — don’t show up right away.
See a doctor within 24–48 hours, even if you feel fine. That protects both your health and your legal case.
Real-world example:
A man who declined medical attention after a truck accident later needed surgery for a herniated disc. Because he delayed care, the insurance company disputed the cause — costing him months in court.
What to do:
- Let paramedics check you out.
- Visit urgent care or your primary doctor.
- Document all symptoms and treatments.
Quick recap:
- Don’t assume you’re uninjured — get checked.
- Early medical care creates a critical paper trail.
- Delays can hurt your health and your case.
Report The Accident To Your Insurer
Let your insurance company know about the crash as soon as you can — ideally within 24 hours. Even if the truck driver was clearly at fault, your insurer needs to be in the loop.
Stick to the facts:
- Time, place, and vehicles involved.
- Police report reference (if available).
- A simple description of the event.
Don’t admit fault or give opinions — and don’t speculate.
Pro tip: Take notes on the call and save any written communication or documents.
Quick recap:
- Report the accident quickly.
- Keep your statement factual and brief.
- Save all documents and notes related to the claim.
Avoid Talking To The Trucking Company’s Insurer Directly
If they call you, don’t engage. Their goal is to protect their driver and pay out as little as possible.
They may try to:
- Get a recorded statement from you.
- Ask leading questions.
- Offer a fast, lowball settlement.
What to say:
“I’m not comfortable speaking right now. I’ll reach out once I’ve spoken to someone.”
Real-world example:
One woman accepted a $4,000 settlement over the phone — then found out she needed surgery. Because she’d signed, she couldn’t recover anything else.
Quick recap:
- Don’t speak to the truck’s insurer directly.
- Don’t give a recorded statement or accept money.
- Refer them to your attorney if you have one.
Consider Speaking With A Personal Injury Attorney
You’re not just dealing with another driver — you’re up against a trucking company, their insurer, and possibly a legal team. You need someone in your corner.
A personal injury or truck accident lawyer can:
- Investigate the crash fully.
- Handle communication and paperwork.
- Fight for compensation for medical bills, lost wages, pain, and more.
Most offer free consultations and work on contingency — meaning you don’t pay unless you win or settle.
Consider getting legal help if:
- You’re injured.
- Fault is being disputed.
- You’re missing work or facing high bills.
- The trucking insurer is pressuring you.
Quick recap:
- An attorney protects your rights and levels the playing field.
- You don’t need to sue — just get advice early.
- No upfront costs with contingency-based lawyers.
Document Everything After The Accident
Long after the accident, the paper trail is what protects you.
Keep a folder (digital or physical) with:
- Medical records.
- Expense receipts (treatment, travel, repairs).
- Communication with insurers, doctors, or lawyers.
- Photos of injuries, vehicle damage, recovery progress.
- Notes about pain, work disruptions, or emotional impact.
Quick recap:
- Keep track of everything — big or small.
- Medical and expense records support your case.
- Journaling your recovery can be powerful evidence.
Moving Forward After A Truck Accident
Being hit by a truck is traumatic. Dealing with everything that comes after? Overwhelming. But step by step, you can take back control.
You’ve already made it through the hardest part — the accident itself. Now you’re doing the next best thing: making smart, informed choices to protect your health, your rights, and your future.
Take it one step at a time. And if you’re unsure? Get help. You’re not alone in this — and you don’t have to handle it all on your own.









