Accident & Insurance

    What to Do After a Car Accident in Los Angeles: Complete Guide (2026)

    Involved in a car accident in LA? Here are the 7 steps California law experts and collision specialists recommend — from calling 911 to protecting your insurance rights.

    By the Leti Auto Works team8 min read
    Driver on the phone after a minor fender bender on a Los Angeles street, hazard lights on

    The first minute after a car accident matters most. LA drivers who know exactly what to do protect themselves legally, get fair insurance settlements, and avoid the costly mistakes that cost thousands of dollars down the road. This guide covers every step — from the accident scene to getting your car repaired.

    The 7 Steps to Take After a Car Accident in Los Angeles

    Step 1: Check for Injuries and Call 911

    Before anything else — check yourself and all passengers for injuries. If anyone is hurt, call 911 immediately. Even if you feel fine, adrenaline can mask symptoms: whiplash, internal injuries, and concussions often don't appear for hours. If the accident is on a freeway like the 405 or 10, turn on your hazard lights. If you can get out safely, leave on the side away from traffic and wait behind the guard rail, not beside your car. If you can't get out safely, stay inside with your seatbelt fastened — standing in or near freeway lanes is the most dangerous place to be.

    California law requires you to call law enforcement if anyone is injured. Even for property-damage-only accidents, a police report is valuable documentation that protects you in insurance disputes.

    Step 2: Move to Safety

    If your vehicle is drivable and the accident is minor, move it to the shoulder or a nearby parking lot to clear traffic. In Los Angeles, leaving a vehicle in a travel lane creates additional accident risk and you may be cited. Turn on hazard lights and, if available, place warning triangles or flares at least 100 feet behind the vehicle.

    Step 3: Document Everything — Immediately

    Pull out your phone and start photographing before anything moves. Capture:

    • All vehicles from multiple angles, including wide shots showing positions
    • All damage — yours and the other party's
    • License plates of all vehicles involved
    • The accident scene: road conditions, traffic signs, skid marks
    • Any visible injuries
    • Weather and lighting conditions
    • The other driver's insurance card and driver's license (photograph them)

    Photos taken immediately after the accident are the most powerful evidence you have. They document the scene before it changes, before weather affects skid marks, before anyone disputes positions.

    Step 4: Exchange Information

    You are required by California law to exchange the following with all other drivers:

    • Full legal name and phone number
    • Driver's license number and state
    • Vehicle registration and license plate
    • Insurance company name and policy number
    • Vehicle make, model, and year

    Also collect contact information from any witnesses. Witness statements are invaluable when fault is disputed, which happens frequently in LA accident scenarios.

    Step 5: Do Not Admit Fault

    This is critical: do not apologize, say "I didn't see you," or admit any responsibility at the scene. Even a sympathetic "I'm so sorry" can be interpreted as an admission of fault and used against you. Fault in California is determined by police reports, insurance investigations, and physical evidence — not by what you say at the scene. Provide factual statements only.

    Step 6: Notify Your Insurance Company

    Call your insurer as soon as you can — most policies require prompt notification. Provide the facts: date, time, location, other parties involved, and your claim number from police. Do not speculate about fault, injuries, or vehicle damage — you don't have complete information yet. Your insurer will assign an adjuster and guide the next steps.

    If the accident was the other driver's fault, you can file with their insurer (third-party claim) or your own (first-party claim). Filing third-party avoids your deductible, but your insurer can advocate on your behalf if you file first-party.

    Step 7: Arrange Towing and Collision Repair

    If your vehicle isn't drivable — or isn't safe to drive — arrange towing immediately. Leti Auto Works tows your car free from the accident scene anywhere in Los Angeles when we do the collision repair. Call us at (213) 282-8201 and we dispatch a flatbed truck immediately.

    Remember: under California law, your insurer cannot force you to use its own network shop, so the car can come straight to us. We work directly with all major carriers and handle the claim process end-to-end, from the tow to the finished repair.

    Your Rights Under California Law

    California drivers have some of the strongest consumer protections in the country after an accident:

    • No forced network shop — California Insurance Code §758.5: your insurer cannot require you to use its preferred shop, and steering payments to preferred shops are prohibited.
    • Disclosure of non-OEM parts — Insurers must disclose in writing when aftermarket parts are used. You can request OEM parts; if approved only for aftermarket, you may pay the OEM upcharge yourself. Ask your repair shop to note parts quality on the estimate.
    • Right to a rental car — If the other driver was at fault, their insurer must provide rental transportation. Your own policy may also include rental coverage.
    • Right to a diminished value claim — You can seek compensation for the loss in market value your vehicle suffers even after perfect repairs.
    • Right to supplement claims — If hidden damage is found during repairs, you're entitled to a supplement. We negotiate this directly with your adjuster.

    How Leti Auto Works Helps After Your LA Accident

    At Leti Auto Works, we help LA accident victims through the entire process — from towing to final payment:

    • Free towing from anywhere in Los Angeles — 24/7, at no cost to collision repair clients
    • Direct insurance billing — we work with all major carriers; you pay your deductible only
    • Supplement negotiation — we fight for every dollar of hidden damage discovered during repair
    • Rental car coordination — we arrange pickup from our shop the day you drop off
    • Lifetime warranty on all collision repairs

    Visit our Insurance Claims page to learn more about how we handle the claim process, or call us any time at (213) 282-8201.

    Had an accident?

    If anyone is hurt, call 911 first. Then call us: we send a flatbed and start the claim.

    Call (213) 282-8201

    Frequently asked questions

    Didn’t find your question? Call us, a real person answers. 24/7 accident line & towing.

    Call (213) 282-8201

    Do I have to file a police report after a car accident in California?

    You must report the accident to the DMV within 10 days if anyone was injured, killed, or if property damage exceeds $1,000 — which is virtually every accident. You should always call 911 at the scene if injuries are involved. Even for minor accidents with no injury, a police report creates an official record that protects you in insurance disputes.

    How long do I have to file an insurance claim in California?

    Your insurer must be notified promptly — most policies require notification within 24–72 hours. However, you generally have up to 3 years to file a personal injury lawsuit under California's statute of limitations, and 3 years for property damage claims. Don't wait: delayed reporting can give insurers grounds to deny coverage.

    Can I choose my own repair shop after an accident in California?

    Yes. Your insurer cannot force you to use a specific facility; that would violate California Insurance Code Section 758.5. That means your car can come straight to Leti Auto Works: we tow it, handle the claim with any carrier and do the repair, turnkey.

    What should I NOT say at the accident scene?

    Never admit fault, apologize, or say 'I didn't see you.' These statements can be used against you even if you were not primarily at fault. Stick to exchanging insurance information and cooperating with law enforcement. Let the police report and insurance investigation determine fault.

    Is towing covered by my car insurance after an accident?

    If you have comprehensive or collision coverage, towing is typically covered. If the other driver was at fault, their liability insurance must cover your towing. Leti Auto Works provides free towing from accident scenes for all collision repair clients — so you never pay out of pocket for towing if we're doing the repair.

    What is a diminished value claim and should I file one?

    A diminished value claim compensates you for the loss in market value your vehicle suffers even after perfect repairs. If the accident was the other driver's fault, you can file this claim against their liability insurer in California. Claims typically range from $500–$5,000+ depending on your vehicle's age and pre-accident value. Always file one after a not-at-fault accident.

    How long does collision repair take at Leti Auto Works?

    Most repairs are completed in 3–7 business days. Minor fender and bumper repairs take 1–3 days. Structural damage with frame work typically takes 5–10 days. We provide a written timeline on your estimate and stick to it. We also coordinate rental car pickup from our shop so you're never without transportation.

    What if the other driver doesn't have insurance?

    California has some of the highest rates of uninsured drivers (~16%). If the at-fault driver is uninsured, your own uninsured motorist coverage (UM) kicks in. If you don't have UM coverage, you may need to sue the at-fault driver directly. We recommend adding UM/UIM coverage to every CA policy. We can still repair your vehicle and help you navigate the claim process.