Starting a new school year means more cars on the road — and for new teen drivers, that also means more chances for accidents. Being prepared before your teen hits the road can make a huge difference in safety, stress, and cost if the unexpected happens.

1. Stay Calm and Stay Safe

The moment an accident happens, it’s easy to panic. Teach your teen to stay calm and check for injuries first. If the car is in traffic and it’s safe to do so, move it to the side of the road or a safe spot. This helps prevent additional collisions and keeps everyone out of harm’s way.

2. Call for Help in the Right Order

The first call should always be to emergency services if anyone is hurt. Once the scene is safe, call parents or guardians, then contact the insurance company. Staying organized and calm during those first few minutes can make a huge difference in how smoothly the claim process goes.

3. Exchange the Correct Information

It’s essential that your teen knows exactly what information to exchange with the other driver(s). This includes names, phone numbers, license plate numbers, driver’s license info, and insurance details. Taking clear photos of the scene, the cars, and any visible damage can also be crucial for later.

4. Don’t Admit Fault

Even if it seems obvious who caused the accident, your teen should never admit fault at the scene. Liability is ultimately assessed through the proper channels, and insurance companies will guide the process based on the evidence, including photos, statements, and police reports. Saying the wrong thing too early could complicate the claim or affect coverage.

5. Document Everything

Encourage your teen to take thorough notes and photographs. This includes damage to all vehicles, road signs, skid marks, and weather conditions. Every detail counts when filing an insurance claim.

6. Safety Equipment and Emergency Prep

Being prepared before an accident can make all the difference. Teens should have a small crash kit in the car, including:

  • A flashlight and extra batteries
  • First aid kit
  • Reflective safety vest or triangles
  • Phone charger
  • Notebook and pen for taking notes

Having these items on hand helps teens stay safe, organized, and in control, even when the unexpected happens.

7. Insurance Tips for Teens and Parents

Understanding how insurance works is just as important as knowing what to do at the scene. Parents should make sure their teen understands their coverage limits. Teens should know how to file a claim, what information insurers need, and how minor accidents might affect rates. Being informed ahead of time reduces stress and prevents mistakes that could cost money later.

At Harrisonburg Collision Center, we’ve seen far too many accidents made worse because these steps weren’t followed. Small mistakes in the first 10 minutes after a crash can turn a manageable situation into a costly headache.

By taking the time now to teach these essential habits, you’re not just preparing your teen for the unexpected — you could also save time, stress, and money down the road. Accidents happen, but being prepared makes all the difference!