1. Stop Your Vehicle and Check for Injuries
By law, you must stop after a car accident, even if it’s minor.
- Check yourself and others for injuries.
- Call 999 (or 112) if anyone is seriously hurt or there’s danger (e.g., fire, fuel leak).
- Move to a safe location if possible, but do not leave the scene.
2. Exchange Details with the Other Driver
You must provide and collect the following information:
- Full name and address
- Vehicle registration number
- Insurance details
- Driver’s contact number
If the other driver refuses to share details, note their car registration and report it to the police.
3. Report the Accident to the Police (If Required)
You must report the accident to the police within 24 hours if:
- Someone is injured.
- The other driver refuses to exchange details.
- The crash involved a pedestrian, cyclist, or property damage.
Call 101 for non-emergencies or 999 for serious incidents.
4. Gather Evidence at the Scene
To support insurance or compensation claims:
- Take Photos – Capture vehicle damage, road conditions, and injuries.
- Get Witness Details – Name, phone number, and statement.
- Make Notes – Record accident time, weather, and what happened.
5. Inform Your Insurance Company
- Report the accident as soon as possible, even if you’re not claiming.
- Provide accurate details but avoid admitting fault until the insurer investigates.
Failure to notify your insurer could invalidate your policy.
6. Seek Medical Attention
Even minor symptoms like whiplash can worsen over time. A medical report strengthens injury claims.
7. Can You Claim Compensation After a Car Accident?
You may claim compensation if:
- Another driver was at fault.
- You suffered injuries or financial losses.
- The accident happened within the last 3 years.
8. How to Claim Compensation After a Car Accident
- Gather evidence – Photos, witness details, medical reports.
- Contact your insurer or a solicitor for legal advice.
- File a claim through insurance or a personal injury lawyer.
9. What If the Other Driver Is Uninsured or Flees the Scene?
You can claim through the Motor Insurers’ Bureau (MIB), which compensates victims of uninsured or hit-and-run drivers.
10. When to Contact a Car Accident Lawyer
A solicitor can help if:
- You suffered serious injuries.
- The other driver disputes liability.
- Your insurer offers a low settlement.
Frequently Asked Questions
Do I have to report every car accident?
Yes, if there are injuries, property damage, or a failure to exchange details.
How long do I have to claim compensation?
3 years from the accident date (for personal injury claims).
Can I claim if I was partially at fault?
Yes, but your compensation may be reduced based on shared responsibility.
Do I have to go to court for a car accident claim?
Most cases settle out of court, but legal action may be necessary for disputes.
How long does a claim take?
- Minor claims: 3-6 months
- Moderate cases: 6-12 months
- Serious injuries: Over a year