1. Stop the Vehicle Safely
If you’re involved in a car accident, stop immediately, even for minor collisions. It’s a legal requirement in the UK under the Road Traffic Act 1988. Failing to stop can result in criminal charges.
2. Ensure Everyone’s Safety
Check yourself, passengers, and others involved for injuries:
- Call 999 if anyone is hurt
- Move to a safe location if possible
- Turn on your hazard lights
- Avoid standing on busy roads or in traffic flow
Safety should always come first.
3. Exchange Details with All Parties
Legally, you must exchange:
- Full names and addresses
- Vehicle registration numbers
- Insurance company details
If the other driver refuses, call the police and report the incident within 24 hours.
4. Collect Evidence at the Scene
Gather information to support any future insurance or legal claim:
- Take photos of all vehicles, road layout, damage, and any visible injuries
- Note the date, time, location, and weather conditions
- Get witness contact details
- Record the badge number of police or ambulance personnel (if involved)
The more evidence you collect, the stronger your case.
5. Don’t Admit Fault
Avoid saying “I’m sorry” or admitting responsibility—it could affect future claims or liability decisions. Instead, calmly share facts and let insurers and legal professionals assess the situation.
6. Report the Accident to the Police (If Required)
You must report to police if:
- Someone is injured
- The other driver is uninsured or flees the scene
- There’s property damage and the owner isn’t present
- The accident causes a serious obstruction or hazard
Call 101 for non-emergencies or go to your local station.
7. Notify Your Insurance Company
Contact your insurer within 24–48 hours. Provide:
- The other party’s details
- Scene photos and notes
- A clear, factual description of the accident
Even if you don’t plan to claim, reporting keeps your policy valid.
8. Seek Medical Attention
Even if injuries seem minor, visit a GP or hospital. Conditions like whiplash or concussion may appear hours later. A medical record is essential if you decide to claim compensation later.
9. Consider Legal Support
If the accident caused:
- Physical or emotional injuries
- Financial loss
- Damage to your vehicle
—you may be entitled to compensation. A no win no fee solicitor can help you claim for:
- Pain and suffering
- Medical treatment
- Loss of earnings
- Vehicle repairs
10. Keep All Records and Documentation
Organise the following:
- Police and medical reports
- Repair bills and receipts
- Photos of the accident scene and injuries
- Correspondence with insurers or solicitors
- Witness statements
This information will be crucial if you need to pursue compensation or defend yourself legally.
Frequently Asked Questions
1. Do I always need to call the police?
Only if someone is injured, the driver refuses to exchange details, or there’s major damage or obstruction.
2. What if I hit a parked car?
You must try to contact the owner or leave your details. Then report the incident to the police within 24 hours.
3. Can I still claim if I was partly at fault?
Yes. Under contributory negligence, you may still be eligible for partial compensation.
4. What if the other driver is uninsured?
You can claim through the Motor Insurers’ Bureau (MIB) in the UK. Legal help is recommended for this process.
5. How long do I have to file a claim?
You have up to 3 years from the accident date to start a personal injury claim.
6. What happens if I don’t report the accident?
You could face fines, points on your licence, or even prosecution for failure to stop and report.
Conclusion
Knowing what to do if involved in a car accident can make a huge difference in ensuring your safety, legal compliance, and financial recovery. By staying calm, gathering evidence, and seeking medical and legal support, you protect both your health and your rights. Don’t leave things to chance—be prepared and act wisely.
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