An auto collision can leave more than just physical scars. Medical bills, lost income, vehicle repairs, and ongoing care often add up fast. Taking early steps can protect you financially and improve your chance of recovering full compensation. Below are ten strategies to help you guard your finances after a crash in California.

1. Call Law Enforcement and Obtain a Report

Having an official police report is essential. It documents what happened, who was involved, and crash conditions. Without it, insurance companies may dispute fault or deny your claim. Also record the officer’s name, badge number, and get the report number.

2. Take Photos of Everything at the Scene

Document the aftermath from all angles. Capture damage to all vehicles, license plates, road signs or signals, skid marks, the positions of the vehicles, road surface or weather conditions, and visible injuries. These images serve as strong evidence.

3. Exchange Complete Information

Make sure you collect full and accurate info from the other parties and any witnesses. That includes driver’s license numbers, insurance company names and policy numbers, contact information, vehicle descriptions, license plates, and statements from bystanders if possible.

4. Seek Medical Care Right Away

Even if you feel okay at first, adrenaline and shock can mask injuries. Getting medical attention quickly helps you heal and prevents insurers from arguing that your injuries happened later or elsewhere.

5. Don’t Speak With Other Parties’ Insurance Without Legal Advice

Insurance adjusters are not on your side. Innocent statements or recorded trips you take can be used to reduce your claim. It is usually wise to have an attorney handle communications or at least review what you say.

6. Keep Records of All Documents and Expenses

Set up a folder for every document related to the crash. Include medical bills, prescriptions, doctor’s orders, repair estimates and invoices, receipts for related expenses like transportation, lodging or equipment, and any lost wage records.

7. Track Any Time You Miss from Work

Lost income is part of your claim if the crash keeps you from working. Keep records of dates you missed, your wage rate or salary information, and an employer statement if possible. If your ability to earn is affected long term, document that too.

8. Be Wary of Early Settlement Offers

Insurance companies often make settlement offers early hoping you might accept before you know the full extent of injuries or expenses. Once you sign an agreement you may not be able to ask for more even if your condition worsens.

9. Know What Your Insurance Covers

Review your own policy carefully. Understand your liability limits, collision and comprehensive coverage, uninsured or underinsured motorist protection, and any medical payment coverage. This helps you know what sources you can tap into when seeking compensation.

10. Hire an Experienced Personal Injury Attorney

A skilled attorney can make a big difference. They help protect your legal rights, gather and preserve evidence, negotiate with insurers, and make sure you are not pushed into accepting less than you deserve. People represented by lawyers tend to receive higher compensation than those who try to handle everything alone.