1. Prioritize Safety First
If you’re involved in an accident, your first priority is to ensure everyone’s safety:
- Check yourself and others for injuries
- If safe, move vehicles out of traffic
- Turn on hazard lights to alert other drivers
In serious cases, stay where you are and wait for emergency services.
2. Call Emergency Services If Needed
Dial 999 (UK emergency number) to report:
- Serious injuries
- Major road blockages
- Fires or fuel spills
- Unconscious individuals
If it’s a minor incident, call 101 for non-emergency police assistance.
3. Don’t Admit Fault
Avoid admitting guilt at the scene—even if you think you might be at fault. Emotions and confusion can cloud judgment. Simply exchange details and let insurers or authorities determine liability.
4. Exchange Information
Legally, you must provide and collect:
- Names and addresses of all drivers
- Vehicle registration numbers
- Insurance details
- Contact information for any witnesses
If the other party refuses to cooperate, call the police to file a report.
5. Document the Scene
Take clear photos and videos of:
- Vehicle damage
- Road conditions and signage
- Injuries (if visible and appropriate)
- Skid marks or debris This evidence can support future insurance or legal claims.
6. Report to Your Insurance Company
Inform your insurer as soon as possible, even if you don’t plan to claim. Delaying could breach your policy terms and affect future coverage.
7. Seek Medical Attention
Some injuries (like whiplash or internal bleeding) appear hours later. Visit a GP or hospital after any accident to:
- Protect your health
- Create medical records
- Support potential injury claims
8. Log the Incident in Writing
Write down everything you remember about the accident:
- Time and date
- Weather and lighting conditions
- Speed of travel
- How the accident occurred This written account can help if memory fades or a dispute arises.
9. Know When to Call a Solicitor
If the accident wasn’t your fault and you’ve been injured, contact a personal injury solicitor. They can:
- Help you claim compensation
- Deal with insurance companies
- Handle legal proceedings on your behalf
Many offer no win, no fee services for accident claims.
10. Check for Mental and Emotional Impact
Accidents can cause trauma or anxiety. Watch for signs of emotional distress or PTSD and seek support if needed. Mental health effects are valid reasons for additional compensation.
Frequently Asked Questions
What should I do if I hit a parked car?
Leave your contact details securely on the vehicle and report the incident to your insurer. Failing to do so may be considered a hit-and-run.
Is it illegal to drive away after a minor accident?
Yes. You must stop, exchange information, and report the accident if there’s damage or injury. Driving off is a criminal offense.
What if the other driver doesn’t have insurance?
You may still claim through the Motor Insurers’ Bureau (MIB), which helps victims of uninsured or untraced drivers.
Should I call the police for every accident?
No, only if someone is injured, damage is serious, or the other party refuses to give details. However, reporting ensures a formal record exists.
Can I still claim if I didn’t feel hurt at the time?
Yes. Some injuries develop later. See a doctor and consult a solicitor if symptoms appear days after the accident.
Do I need to tell my insurer even if I wasn’t at fault?
Yes. Most policies require you to report all accidents. It protects you if the other party makes a claim against you later.
Conclusion
Knowing what to do in an accident is crucial for your safety, health, and legal protection. Acting calmly and following the right steps can prevent further harm, ensure you’re treated fairly, and support a future claim. Whether it’s a minor bump or a serious crash, being informed is your best defense.
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