Accident Checklist: What to Do (and Not Do) to Protect Your Insurance Rates

Accidents happen — even to the most careful truck drivers. But how you handle an accident can make a big difference in protecting your commercial truck insurance rates and keeping your business running smoothly. At Logrock, we’re here to help truckers navigate accidents while minimizing long-term insurance impacts. Let’s break down exactly what to do (and what to avoid) after an accident to safeguard your coverage.

Step 1: Prioritize Safety First

✅ Secure the Scene: Turn on hazard lights and set out warning triangles to prevent further accidents.

✅ Check for Injuries: Call 911 if anyone is injured — safety comes first, always.

✅ Notify Law Enforcement: Even for minor incidents, getting a police report is crucial for FMCSA compliance and future claims.

Why it matters: Quick, responsible action shows insurers you’re a low-risk driver, which helps keep your truck insurance premiums in check.

Step 2: Document Everything Thoroughly

📸 Take Photos and Videos: Capture vehicle damage, license plates, road conditions, and any injuries.

📝 Collect Key Details: Gather names, contact info, insurance details, and witness statements.

🚓 Request a Police Report: An official report is vital for commercial truck insurance claims and can help protect your CSA score.

Comprehensive documentation strengthens your insurance claim and can prevent unjust rate increases.

Step 3: Notify Your Insurance Provider and LogRock Inc.

📞 Report the Accident Promptly: Delaying a report can raise red flags and affect your trucking insurance coverage.

📂 Share Collected Evidence: Providing detailed documentation helps speed up the claims process and supports your case.

🤝 Lean on Your Broker: If you’re with LogRock Inc., we’ll walk you through the claims process to help avoid mistakes that could raise your commercial trucking insurance rates.

Step 4: What Not to Do After an Accident

❌ Don’t Admit Fault: Even a simple apology can be used against you during claims processing.

❌ Don’t Skip the Police Report: Even if damage seems minor, a report protects you from false claims and supports your FMCSA insurance compliance.

❌ Don’t Ignore Post-Accident Maintenance: Address vehicle damage immediately to avoid DOT violations during inspections.

Step 5: Learn and Prevent Future Accidents

🔧 Conduct a Post-Accident Review: Analyze what happened and adjust safety protocols if needed.

📚 Train Your Drivers: Ongoing safety training can improve your CSA score and unlock insurance discounts.

🛡 Invest in Safety Tech: Tools like dashcams, telematics, and ELDs with safety features can prevent future incidents and help lower trucking insurance costs.

Logrock Has Your Back — On and Off the Road

Handling an accident the right way doesn’t just protect your truck — it protects your commercial truck insurance rates and your business’s financial health. At Logrock, we help trucking companies stay compliant, save on coverage, and navigate the claims process with confidence.

🚛 Ready to protect your fleet and lower your insurance costs? Get a free truck insurance quote with Logrock today!