Involved in a Car Accident in Houma? Here's What to Do Next

Car accidents are scary and stressful. One moment you're driving through Houma, and the next, everything changes. Whether it's a minor bump or a serious crash, the shock and confusion afterward can make it hard to think clearly. But knowing what to do next can protect you and your loved ones. This guide will walk you through simple steps to take after a car accident in Houma, Louisiana. You'll learn how to stay calm, get the help you need, and protect your legal rights. Whether it's talking to the police, handling insurance, or knowing when to call a lawyer, we've made the process easy to follow.

Step 1: Check for Injuries and Stay Safe

Your safety is the most important thing. If you or anyone else is hurt, call 911 right away. Don't try to move someone who's seriously injured unless they are in danger. If you're not hurt and the car can move, try to pull over to a safe spot. Put on your hazard lights. If it's dark or raining, use your flashlight or phone light to stay visible.

Step 2: Call the Police and Report the Accident

In Louisiana, it's important to report most car accidents to the police. Even if the crash seems small, you should still call. Officers will write a report, which can help later with insurance or legal issues. Tell the officer exactly what happened. Be honest, but don't guess or admit fault. Stick to the facts. The report will also include details about the other driver and witnesses.

Step 3: Gather Key Information

After calling the police, take a few minutes to collect important information. Use your phone or a notepad to write down:

• The name, phone number, and address of the other driver

• Their insurance company and policy number

• The make, model, and license plate of all cars involved

• The location, time, and weather conditions

• Names and contact details of any witnesses

Also, take photos of everything—your car, their car, the road, signs, and any damage or injuries. This can be helpful later when talking to a Houma accident lawyer if you need legal advice or representation.

Step 4: Seek Medical Attention

Even if you feel okay, it's smart to see a doctor after a crash. Some injuries, like whiplash or internal injuries, don't show up right away. A medical check-up helps keep you safe and also provides records in case you need to file a claim. Keep copies of all medical visits, tests, and bills. These may be needed if you seek help with medical costs or legal matters down the line.

Step 5: Notify Your Insurance Company

Once you're safe and have all the details, contact your insurance company. Tell them about the accident, but again, stick to the facts. Don't guess or blame anyone. They'll guide you through the next steps. It's helpful to understand what your policy covers before you call. Some plans pay for car repairs, medical bills, or rental cars. Make sure you write down your claim number and the name of the agent you speak to. Working with your insurer can be confusing, especially if the other driver's insurance is also involved. In these cases, understanding how to file an insurance claim Houma residents can rely on becomes very important for Houma residents. Insurance companies may try to settle quickly or offer less than you deserve. This is where careful documentation helps you get fair treatment.

Step 6: Know Your Legal Rights

Louisiana law gives you the right to seek money for damages or injuries after an accident if someone else was at fault. This could include car repair bills, hospital costs, missed work, and even emotional pain. But the legal process can be tricky. Sometimes, it's hard to prove who caused the accident. Other times, insurance companies delay or deny claims. That's why knowing the proper accident legal steps is key. You usually have one year from the date of the accident to file a personal injury claim in Louisiana. But don't wait too long. Evidence can disappear, and memories fade. It's best to act quickly. If you're unsure about anything or if things start getting stressful, you can talk to a lawyer. A lawyer helps you understand your rights, deals with insurance companies, and files paperwork on time.

Step 7: Be Careful What You Say and Do

After the accident, be careful when posting on social media. Saying something online—even a simple "I'm okay"—can be used against you later. Also, don't talk about the accident with others except your doctor, lawyer, or insurance agent. Keep a folder with everything related to the crash: the police report, medical bills, photos, and repair estimates. This helps you stay organized and prepared if problems come up.

Step 8: When to Contact a Lawyer

Not every accident needs a lawyer. But if someone was badly hurt, the fault is unclear, or your insurance won't pay, a lawyer can help. You don't need to go through it alone. Talking to an experienced attorney gives you peace of mind. You'll better understand your rights, and if needed, you'll have someone to fight for you. A local lawyer knows the laws in Houma and can guide you in the right direction.

Frequently Asked Questions (FAQs)

 Do I have to call the police after every accident in Houma?

Yes, it's best to call the police, especially if there's damage, injury, or someone broke a traffic law. The police report can help with insurance and legal steps later.

What if I don't feel hurt right after the accident?

You should still see a doctor. Some injuries take hours or even days to show up. A medical check-up helps protect your health and your case if you file a claim.

How long do I have to file a claim after a car accident in Louisiana?

Louisiana law gives you one year from the date of the accident to file a personal injury claim. It's smart to act quickly so you don't miss important deadlines.

Can I fix my car before the insurance company sees it?

No, it's better to wait. Take pictures of the damage and wait until your insurance agent or an adjuster looks at it. This helps avoid problems with your claim.

Conclusion

A car accident can be overwhelming, but taking the right steps makes a big difference. Start by staying calm, getting help, and collecting information. Follow up with medical care and speak carefully to your insurance company. Most importantly, understand your legal rights and act early to protect yourself. If you're ever unsure or feel pressured, don't hesitate to reach out for help. A trusted local attorney can guide you through the process. For support and guidance after a car accident, Ory Law Group is here to help.