At the scene, if you are able
Call the police and get medical attention. Photograph the vehicles, their positions, the roadway, signals and signs, and any debris. Get names and numbers for witnesses, because they are far harder to find later. Do not discuss fault.
Get evaluated even if you feel functional
Adrenaline masks injury, and head, neck, and back injuries often present days later. Tell the provider about the collision so the record connects your symptoms to it. A gap between the crash and the first visit is the argument every adjuster reaches for.
Be careful with the other insurer
An adjuster may call quickly and ask for a recorded statement. That person works for the company paying the claim. Early answers given in pain, before anyone knows the extent of the injuries, are very hard to walk back.
Evidence has a shelf life
Vehicles get repaired or sold, camera footage overwrites itself, and skid marks disappear. A preservation letter sent early is often what keeps proof available months later.
