Consult a lawyer immediately if there are serious injuries, significant property damage, a disputed fault, or if you are contacted by a lawyer representing another party. Early legal advice can protect your rights, ensure proper evidence preservation, and guide you through interactions with insurers. Many attorneys offer free initial consultations to assess your situation.

Strong evidence is your most powerful tool. Collect and keep everything: photos of injuries and property damage, the official accident report, all medical records and bills, receipts for related expenses, and a diary documenting your pain and recovery. Proof of lost wages from your employer is also crucial. This documentation creates a clear, undeniable link between the incident and your financial losses, preventing the insurance company from downplaying your claim.

In most cases, yes. Standard homeowner’s or renter’s insurance policies include personal liability coverage, which is designed for exactly this scenario. It typically covers the injured person’s medical bills, lost wages, and your legal defense costs if you are sued, up to your policy limits. Your first call after securing safety and documentation should be to your insurance provider to report the incident and begin the claims process.