As the days get shorter and the roads get slicker, even cautious drivers can find themselves in a fender bender. In fact, the U.S. Department of Transportation reports that nearly 12% of all vehicle crashes are weather-related, with a noticeable spike in fall and winter months.

If you do find yourself in a minor accident, knowing what to do next can help protect your safety, your rights, and your wallet.

Step 1: Stay Calm and Stay Safe

First, take a deep breath. Minor accidents happen, especially during seasonal transitions. Pull over to a safe location if possible, turn on your hazard lights, and check for injuries. If anyone is hurt, call 911 right away. Even if the damage seems small, you should always exchange insurance information and take photos of the scene, vehicle damage, and any relevant road signs or traffic signals.

Step 2: Don’t Skip the Police Report

Some drivers may be tempted to “handle it privately,” but filing a police report can help clarify fault and streamline the claims process. In many states, it’s also required, even for minor accidents. A neutral, third-party account of the incident can support both legal and claims-related outcomes.

Step 3: Check Your Tires—Yes, Really

Fall is the perfect time to inspect your tires. Slippery, wet leaves and the first frost can reduce traction. Worn tread and underinflated tires make accidents more likely and more dangerous. According to the National Highway Traffic Safety Administration (NHTSA), 646 people died on the road in tire-related crashes in 2023.

Here’s a quick test from the NHTSA: Insert a penny into your tread with Lincoln’s head facing down. If you can see all of Abe’s head, it’s time to replace those tires. Also, check your tire pressure; cooler temperatures can cause PSI (pounds per square inch, the unit used to measure tire inflation) to drop, which can affect traction and handling.

Step 4: Contact Your Insurance Agent

After a minor accident, it’s important to notify your insurance agent right away, even if you’re not planning to file a claim. Your agent can help document the incident and guide you through your options. Keep a copy of your auto policy in your glove box or on your phone so it’s handy when you need it.

Step 5: Review Your Coverage Before You Need It

Accidents are stressful, but discovering a gap in your coverage can make things worse. Fall is a great time to review your auto policy before the rainy season and winter weather arrive. Make sure you understand your deductible, rental reimbursement options, and whether you have uninsured motorist coverage.

Stay Ready This Season

Between back-to-school traffic congestion, darker evenings, and the first frost, fall can be a challenging season for drivers. But with a bit of planning and a quick review of your auto insurance coverage, you can head into autumn with confidence. Contact a Westwood agent to learn how to stay protected through the fall and every season.

Please Note: This article is for general informational and educational purposes only. It does not represent any specific insurance policy and does not modify any provisions, limitations, or exclusions of any current policy.