When a road accident happens, things can feel overwhelming.
From injuries to property damage, there’s so much going on.
That’s why the road accident report exists.
It’s a formal report filed with the police and, in some cases, with the Land Transportation Office (LTO).
This report helps explain what happened, who was involved, and what actions were taken.
It is required for insurance claims and legal protection.
If there are injuries, deaths, or major damages, reporting is not just helpful—it’s necessary.
First Things First: Make Sure Everyone Is Safe
Before you do anything else, check yourself and others for injuries.
Even a small bump on the head can turn serious later.
If anyone is hurt, call emergency services immediately.
Dial 911 or ask a bystander to call for help.
Don’t move injured people unless there’s a fire or another danger.
Turn on your hazard lights.
If it’s safe to do so, place early warning devices (triangles) behind your vehicle to warn others.
This helps avoid more accidents while you wait for help.
Take a few deep breaths.
It’s okay to be shaken up.
Step 1: Start Documenting the Scene
Once safety is secured, it’s time to collect evidence.
Take clear pictures of the accident scene.
Use your phone to snap the following:
- All vehicles involved
- Plate numbers
- Vehicle damage (close-up and wide shots)
- Road conditions (wet, dry, slippery, poor lighting)
- Traffic signs, if any
- Visible injuries (if victims give permission)
Write down the exact time and location.
Take note of the weather too—it can affect road conditions.
Step 2: Get Everyone’s Information
Talk to the other driver calmly.
You’ll need to exchange the following:
- Full name
- Contact number
- Driver’s license number
- Vehicle registration details
- Insurance provider and policy number
If there are witnesses, ask for their names and contact numbers.
These witnesses might be needed later if there are disputes.
Stay polite, even if the other driver is angry.
Don’t admit fault or argue—it’s the job of the police and insurance companies to decide.
Step 3: Call the Authorities If Needed
You don’t always have to call the police on the spot.
But in serious cases, it’s better to do so.
Here’s when you must call the authorities:
- If someone is injured or unconscious
- If the vehicles are blocking the road and can’t be moved
- If a hit-and-run occurred
- If there’s public property damage (like signs or lampposts)
- If the other party refuses to give information
The police will come to the scene to assess the situation.
They’ll take statements and create an initial report.
If they can’t come right away, go to the nearest police station as soon as you can.
Bring all your documentation and photos.
Step 4: File an Official Police Report
Whether you call them to the scene or visit the station later, filing a police report is a must.
This helps protect you legally.
To file a report, give a full, honest account of what happened.
Include these details:
- Date and time of the accident
- Exact location
- Description of how it happened
- Names of everyone involved
- Description of the damages and injuries
Bring your ID, driver’s license, vehicle registration, insurance documents, and all the photos and notes you took.
The officer will give you a reference number.
Ask how long it will take to get a copy of the report.
Step 5: Notify Your Insurance Provider
Once the police report is filed, contact your car insurance company.
They will tell you what documents they need to start your claim.
Usually, they will ask for:
- The police report
- Photos of the damage
- Repair estimate from a shop
- Medical records if there were injuries
Some policies have a time limit for reporting accidents.
So the sooner you report, the better.
Follow their instructions carefully to avoid delays.
Step 6: Get a Copy of the Police Report
Don’t forget to request a copy of the official police report.
You will need this for your insurance claim and possibly for legal defense.
It is your right to get a copy once the investigation is complete.
Keep it safe and make a few photocopies.
You can also ask for a digital copy if available.
Step 7: If Required, Report to the LTO
In cases involving severe injuries, deaths, or property damage, you might also need to report the accident to the Land Transportation Office.
This isn’t always required, but it’s better to ask the police if you should.
You can report through official LTO branches, or through their verified email and social media accounts.
Include your police report, photos, and other details in your message.
LTO may investigate further, especially if a driver’s license needs to be suspended.
Bonus Step: When to Get Legal Help
If the accident leads to:
- Disputes over who caused it
- Refusal to pay for damages
- Severe injuries or deaths
You may want to talk to a lawyer.
Some legal offices offer free consultations, especially for first-time cases.
Don’t wait until the situation gets worse.
A lawyer can guide you and make sure your rights are protected.
READ ALSO: How to Dispute MMDA Traffic Violations Online
What to Expect After Reporting
After you’ve filed the report and informed your insurance, the investigation will take some time.
The police may call you for follow-ups.
Your insurance adjuster may visit the site or check your vehicle.
Stay available for calls and updates.
Make sure all paperwork is complete.
If something’s unclear, don’t be afraid to ask.
Being cooperative speeds up the process.
Frequently Asked Questions
1. What if the other driver refuses to share their details?
Call the police right away. A refusal to cooperate could mean they are hiding something or uninsured.
2. Is a police report still needed for small accidents?
If there are no injuries and both parties agree, you may skip it—but for insurance claims, a report is often required.
3. Can I still file a report days after the accident?
Yes, but do it as soon as possible. The longer you wait, the harder it is to prove what happened.
4. What if I can’t go to the police station myself?
You may send a representative with an authorization letter and your documents—but it’s best if you go personally when possible.
Conclusion
Filing a road accident report may feel like a hassle—but it’s worth it.
It protects you, your passengers, and even your future self.
It proves that you acted responsibly.
It helps authorities learn about road risks.
And most importantly, it gives you peace of mind.
Whether you drive daily or only on weekends, knowing what to do after a crash is a must.
Stay calm, be smart, and take it step by step.
Because at the end of the day, your safety matters most.