Published July 14, 2026 · Morris Starkman
In the first hour
Call 911 and get a police report started, even for a minor crash. Move to safety, but photograph the vehicles where they came to rest first if you can do it safely. Exchange insurance information and take a picture of the other driver's card and license plate rather than writing it down.
The same day
Get checked by a doctor or urgent care even if you feel alright. Adrenaline masks neck, back and head injuries for a day or two, and the gap between the crash and your first medical visit is the first thing an insurance adjuster will point to. Tell the doctor about every symptom, not just the worst one.
Within 24 to 48 hours
- Report the crash to your own insurer and open your PIP claim. In New Jersey your own policy pays your medical bills first, regardless of fault.
- Photograph your injuries as they develop — bruising often looks worse on day three.
- Write down what happened while it is fresh: weather, lane, speed, what you saw.
- Save everything: the ER discharge paperwork, prescriptions, work notes.
The call you should not take
The other driver's insurer will call quickly and ask for a recorded statement. You are not required to give one, and it exists to lock you into saying you feel fine. Politely decline and speak with a lawyer first — that conversation costs nothing.
Deadlines
Most New Jersey injury claims must be filed within two years. If a government vehicle or public entity was involved, a formal notice of claim is generally due within 90 days.
This article is general information about New Jersey law, not legal advice about your situation. Deadlines and rules have exceptions. If something here applies to you, call and ask.