A car accident can be overwhelming. But what you do in the first 24 hours after a crash matters—especially in states like Missouri and Illinois, where rules on fault and legal deadlines differ. Acting correctly early can protect your health and your rights.

1. Call 911 and Seek Medical Care

Even if you feel okay initially, get checked by a doctor. Some injuries don’t show symptoms right away, and delaying treatment can be used against you later.

2. File a Police Report

Both Missouri and Illinois rely on official reports for insurance claims and fault determinations. A report creates an objective record of what happened.

3. Gather Evidence

If safe:

• Photograph vehicle damage, road conditions, and visible injuries
• Note names and contact info of drivers and witnesses

This is especially important in comparative fault states (Missouri uses pure comparative fault; Illinois uses modified comparative fault), where how fault is shared affects your compensation. 

4. Be Careful What You Say

Insurance adjusters may call quickly—don’t provide a recorded statement before you understand your rights. Adjusters often use early statements to reduce what they pay.

5. Report to Your Insurer

You generally must notify your insurer promptly after a crash. Provide the basics but avoid admitting fault—fault rules differ in Missouri and Illinois and can impact recovery. 

6. Consult an Attorney Early

Even if you think your case is simple, early legal involvement helps preserve critical evidence and ensures deadlines are met. For example:

In Missouri, you typically have five years to file a personal injury lawsuit after a car crash.

In Illinois, it’s usually two years. 

Bottom line: Prompt action protects your health and your legal rights under both Missouri and Illinois laws. Contact Gunn | Slatertoday for a free consultation. We will take the time to review your claim and explain your legal options so you can make informed decisions.