Published October 31, 2026
Even a minor accident is stressful, and it is easy to forget something important in the moment. This checklist covers the scene, the claim and the repair, so you can keep things moving.
It is general information, not legal advice. Follow the instructions of police at the scene and check your own policy.
At the scene
- Get safe. Turn on your hazard lights. If the vehicles can be moved and no one is hurt, move out of traffic.
- Check for injuries and call 911 if anyone is hurt or the road is blocked.
- Report the accident as Tennessee law requires. When in doubt, call the police non-emergency line.
- Exchange information: names, phone numbers, insurance companies and policy numbers, license plates and vehicle descriptions.
- Take photos: all vehicles from each corner, close-ups of the damage, the road, signs and signals, and the other driver’s insurance card.
- Note witnesses and their contact details.
After you get home
- Notify your insurer, even if you think the other driver is at fault. Write down your claim number.
- Look the vehicle over again in daylight. Note warning lights, leaks, doors or the trunk that do not close properly, and anything that sounds or drives differently.
- Don’t drive it if it is unsafe. If it is not drivable, check whether your policy includes towing coverage.
Getting the repair started
Send photos with an estimate request and add your claim number if you have one. We will contact you about bringing the vehicle in for an inspection. A complete estimate needs an in-person look, because damage often hides behind bumpers and panels.
Once you, or your insurer, approve the work, the repair moves through body repair, paint and reassembly, then a final check. Our insurance claims guide explains each step, including how supplements for hidden damage work.
Paying yourself instead of filing a claim
For minor damage, the repair may cost less than your deductible, or you may prefer not to file a claim. You can choose “Paying myself” on the estimate request form, and we will give you an estimate to decide with.
See how collision repair works at our Berry Hill shop.
Frequently asked questions
Do I have to use the body shop my insurer suggests?
Generally, you can choose where your vehicle is repaired. Your insurer can explain how its claim process works with the shop you choose.
The other driver was at fault. Who do I call?
Usually you file with the other driver's insurer. You can also use your own collision coverage, subject to your deductible. Your insurer can explain your options.
What if more damage is found during the repair?
Hidden damage found after parts are removed is added to the estimate as a supplement. If an insurer is paying, it reviews the supplement before that work is done.
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