Synopsis
After a collision in Troy, MI, acting fast protects your safety, legal rights, and your vehicle’s value. Xcel Collision guides you from scene to certified collision repair. We help you handle insurance, inspections, and repairs backed by advanced equipment and a limited lifetime warranty.
Key Takeaways
- Prioritize safety and call 911
- Document damage and witness info
- File police reports for claims
- Notify insurers within 24–72 hours
- Get professional diagnostics and estimates
- Choose certified collision repairs to restore safety systems
Car accidents happen when you least expect them. One moment you’re driving through Troy, Michigan, and the next, you’re dealing with damaged vehicles and the stress of an unexpected collision. According to Michigan State Police data, Oakland County reported 35,951 traffic crashes in 2024, ranking it second in the state for total crashes that year.
Whether you’re facing a minor fender bender or major collision damage, knowing what to do immediately after an accident protects your safety, preserves your legal rights, and gets your vehicle proper collision repair. Xcel Collision in Clawson, MI, understands how overwhelming those first moments after an accident feel. Our team guides drivers through both immediate post-accident steps and the collision repair process that follows. With decades of combined experience, we deliver precise and careful auto collision repairs near Oakland County. We list the actions to take right after your accident while helping you understand when professional collision repair becomes necessary.
Step 1: Check That Everyone Is Safe First
Your immediate priority is protecting everyone involved from further harm. These safety actions must happen before anything else.
Check for Injuries and Call 911
Take a deep breath and assess whether you or your passengers have sustained injuries. Adrenaline can mask serious injuries initially. Some injuries, like whiplash or concussions, don’t show symptoms immediately. Call 911 if anyone appears hurt or if you’re unsure about injuries.
Move Vehicles to Safety
If your vehicle blocks traffic and can be moved safely, relocate it to the roadside or a nearby parking area. Turn on hazard lights immediately to alert other drivers. Use reflective triangles or flares if available.
If damage prevents moving your vehicle, exit carefully and move away from traffic. Never stand in the roadway or directly behind your vehicle where approaching drivers cannot see you clearly.
Stay at the Scene
Michigan law requires you to remain at any accident scene. Leaving can result in license suspension, fines, or jail time. This applies whether you have minor damage or major collision repairs ahead.
Step 2: Document Everything Thoroughly
Proper documentation protects your interests during insurance claims and collision repair processes.
Gather Driver Information
Exchange complete details with all involved drivers:
- Full name and phone number
- Driver’s license number
- Insurance company and policy number
- License plate number
- Vehicle make, model, year, and VIN
- Current address
Photograph the Scene Comprehensively
Take multiple photos, including:
- All vehicle damage from different angles
- Overall accident scene showing vehicle positions
- Street signs, traffic signals, and road conditions
- License plates of all vehicles
- Any skid marks or debris
Collect Witness Information
Speak with witnesses before they leave. Police don’t always obtain witness details, and these statements can be crucial if disputes arise. Get names, phone numbers, and brief accounts of what they saw.
Record Your Account
Write down what happened while the details are fresh:
- Exact time and location
- Weather and road conditions
- Your actions just before impact
- How the collision occurred
- What other drivers said
Step 3: Handle Legal Requirements Properly
Michigan has specific accident reporting laws that you must follow to protect yourself legally.
When Police Reports Are Required
Michigan law requires police reports when:
- Anyone is injured or killed
- Property damage exceeds $1,000
- Vehicles cannot be driven safely
Michigan law requires drivers to report any crash involving injury, a fatality, or property damage estimated at $1,000 or more. Since even minor collisions often result in repair costs that exceed this amount, filing a police report is typically necessary to stay compliant with state regulations and assist with insurance processing.
Work with Responding Officers
Provide factual information only. Don’t speculate about causes or admit fault. Tell officers what you observed directly without guessing about details you’re unsure of.
Note the responding officer’s name and badge number. Obtain a copy of the police report later – you’ll need it for insurance claims and collision repair estimates.
Understand Michigan’s No-Fault Insurance
Under Michigan’s no-fault insurance system, your personal insurance covers medical bills and lost income after a crash, no matter who caused it. However, claims for vehicle or property damage are usually filed through the at-fault driver’s insurance, unless you have optional collision coverage, which can be used for your own repairs.
Step 4: Seek Medical Attention Even for Minor Accidents
Many people skip medical care after minor accidents, but this can be a costly mistake for both health and insurance claims.
Hidden Injuries Develop Over Time
Common delayed injuries include:
- Whiplash and neck strain
- Concussions and brain injuries
- Back injuries and disc problems
- Soft tissue damage
These injuries must be documented quickly to prove they resulted from your accident rather than other causes.
Create Medical Documentation
Seeing a doctor creates important records linking any injuries to your collision. This documentation becomes vital if symptoms worsen or you need to file injury claims later.
Step 5: Contact Insurance Companies Promptly
Quick notification protects your coverage and starts the claims process efficiently.
Know Your Reporting Deadlines
Most insurance policies require accident notification within 24-72 hours. Some coverage types, especially uninsured motorist benefits, have even stricter deadlines. Late reporting can jeopardize your coverage.
Prepare Information for Insurers
Have ready:
- Police report number
- Photos from the accident scene
- Other driver details
- Witness contact information
- Your written account of events
Step 6: Choose Professional Collision Repair Services
When your vehicle needs repairs, selecting the right collision repair shop determines whether your car is restored properly or becomes a safety risk.
Why Professional Assessment Matters
Modern vehicles contain complex safety systems that can be damaged in seemingly minor collisions. Poor repairs compromise airbag deployment, sensor accuracy, and structural protection in future accidents.
At Xcel Collision, our I-CAR certified technicians use advanced diagnostic equipment to identify hidden damage that affects safety systems. Our local collision repair shop in Oakland County restores your vehicle’s structural integrity and safety features to manufacturer specifications.
Our Collision Repair Services
We provide complete auto collision repair services for Troy and Oakland County drivers:
Complete Auto Body & Collision Repair:
Our certified technicians handle everything from minor dents to major collision damage. We use laser frame measuring and computer-guided straightening to restore your vehicle’s structure to exact factory specifications.
Auto Painting & Color Matching:
We use computerized color-matching technology and professional refinishing techniques in controlled paint booths. Our painting process provides factory-quality finishes that seamlessly blend with existing paint.
Aluminum Body Repair:
Many luxury vehicles use aluminum construction, requiring specialized repair techniques. Our Ford aluminum-certified technicians have the training and equipment needed for proper aluminum repairs.
Insurance Claim Handling:
We work directly with all major insurance companies, managing paperwork and communications to streamline your claim process and reduce your stress.
Collisions can affect more than just visible damage. Our collision repair process addresses structural integrity, frame alignment, and all collision-related damage to restore your vehicle’s safety and performance.
Here is what a customer said about us in a review: “XCEL collision is just an excellent company with outstanding customer service and focus. My family had some unfortunate event within 2 weeks that damaged two of our vehicles substantially. Jerred and Jack took care from the being of the process, inspecting the damage to review with the insurance, to actually repairing the cars and then deliver the finished vehicle. They always communicated very transparent each step of the process very professionally and delivered an outstanding repair at the end..…Highly recommended, you will not be disappointed.”
Advanced Technology for Quality Results
Our facility features:
- Laser frame measuring systems for precise structural repairs
- Computerized paint mixing for perfect color matches
- Specialized aluminum welding equipment
- Advanced diagnostic tools for modern vehicle systems
Warranty Protection You Can Trust
We back all in-house repairs and paint work with a limited lifetime warranty covering workmanship defects for as long as you own your vehicle. This warranty demonstrates our confidence in repair quality and protects your investment.
Common Post-Accident Mistakes That Cost Money
Avoid these expensive errors that many accident victims make:
Don’t Admit Fault or Apologize
Even saying “I’m sorry” can be interpreted as fault admission. Stick to factual observations and let insurance companies determine fault based on evidence.
Don’t Accept Quick Settlement Offers
Initial insurance offers rarely reflect full claim values, especially when considering potential medical treatment needs or vehicle depreciation from accident history.
Don’t Delay Vehicle Repairs
Postponing collision repair can lead to additional damage from weather exposure, rust development, or safety system malfunctions that compound repair costs.
Don’t Skip Professional Estimates
Even for minor damage, professional assessments identify hidden problems that DIY fixes miss. Our free estimates protect your interests whether you file insurance claims or pay directly.
Why Choose Local Collision Repair in Clawson
Selecting certified collision repair services near you provides several advantages over distant shops or national chains.
Local Expertise and Relationships
As a local collision repair shop in Oakland County, Xcel Collision understands driving conditions, works regularly with local insurance adjusters, and maintains relationships with parts suppliers for faster repairs. Our proximity to Troy means convenient drop-off and pickup.
Community Reputation Matters
As a locally-owned business serving Troy, Rochester Hills, Royal Oak, and surrounding communities, our reputation depends on satisfied neighbors who recommend us to friends and family. This community investment motivates exceptional service.
Personalized Service Approach
Unlike large chain operations, we provide personal attention throughout your repair process. You’ll work with the same team members who understand your specific needs and keep you informed about progress.
Preparing for Future Accidents
While you can’t prevent all accidents, preparation minimizes their impact when they occur.
Keep Emergency Supplies Ready
Maintain in your vehicle:
- Current insurance cards
- Emergency contact list
- Cell phone charger
- First aid kit
- Reflective triangles or flares
- Camera (phone camera works)
Review Insurance Coverage Regularly
Maintain adequate coverage limits for your needs, including sufficient liability protection and uninsured motorist coverage. Understanding your policy prevents surprises after accidents.
Practice Defensive Driving
Troy’s busy streets require constant attention. Avoid distractions, maintain safe following distances, and exercise extra caution at intersections where most serious accidents occur.
Get Back on the Road With Certified Collision Repair in Troy, MI
Getting into an accident disrupts your routine and creates stress about repairs, insurance, and safety. The steps you take immediately after your collision protect your health, legal rights, and ensure quality repairs that restore your vehicle properly.
At Xcel Collision, we specialize in helping Troy and Oakland County residents with the collision repair process with confidence. Our I-CAR certified technicians, advanced equipment, and limited lifetime warranty provide the expertise and protection your vehicle deserves. We handle insurance communications, provide transparent estimates, and restore your car to pre-accident condition using manufacturer-approved methods.
If you’ve been in a collision in Troy, MI, or anywhere in Oakland County, contact us at (248) 965-3432 for your free estimate. You can also schedule a consultation by emailing us at info@xcel-collision.com. Our certified collision repair services will get you back on the road safely, while our warranty protects your investment for years to come. Don’t let collision damage compromise your vehicle’s safety. Trust our team that understands luxury collision repair for every brand.
