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What to do after an accident
No matter how good your driving is, accidents on the road do happen. We’ve put together a guide on what you should do after an accident. This can help minimise the additional stress of sorting everything out following the incident.
Accidents happen
Try to stay calm and don't lose your temper. Don't admit blame at the scene of the accident or offer any form of settlement.
Stop at the scene
If you think your accident has caused injuries or damage to vehicles or property, stop. It is an offence not to stop.
Ensure the scene is safe
Switch off the engine, turn on hazard warning lights and alert oncoming traffic about the accident.
Injuries
Call the police if someone is injured, the collision has caused a hazardous situation, or someone leaves the scene without exchanging details. If you're unsure about whether you should call the police, make the call. The police don't usually attend road traffic accidents where there are no injuries but it is still worth reporting the incident.
Accident pack
This should consist of a notebook, pen and your mobile phone if this takes pictures. In the event of an accident, make a sketch at the scene. Remember to note as many details as you can, such as street names, vehicle locations, direction of travel, skid marks, collision points and vehicle damage. Use the camera to take photos showing the road layout, position of vehicles and their damage.
Exchange information
All drivers involved must exchange details by law. Ask them for their name, address, telephone numbers (don't just get a mobile number but a home number too) and insurance details. You must also provide this information about yourself.
Other information
Record any other details you think may be important e.g. use of mobile phone, if you think the driver of the other vehicle has been drinking, weather conditions. etc.
Notify your insurance company
You must notify your insurance company immediately of any collision you are involved in, regardless of whether or not a claim is to be made or whose fault it was. Give them all the details, notes, photographs etc.
Unfortunately, car accidents happen but there are steps motorists can take afterwards to ease the hassle of sorting it all out.
Motorists should read through their insurance policies carefully to check what is covered in an accident, things such as replacement vehicles or personal injury cover, so that no eventuality is overlooked.
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