1. Stay Calm and Check for Injuries
Immediately after the crash:
- Check yourself and passengers for injuries
- Call emergency services if anyone is seriously hurt
- If it’s safe, move your vehicle to prevent further danger
- Use hazard lights to alert other drivers
Even if you feel fine, some injuries (like whiplash or internal trauma) may not be obvious at first.
2. Call the Police if Required
You must report the accident to the police if:
- There are injuries
- The other driver refuses to share details
- There’s suspicion of drink or drug driving
- The crash has blocked the road or caused significant damage
In the UK, you must report the accident to the police within 24 hours if you don’t provide your details at the scene.
3. Exchange Details with the Other Driver
Legally, you’re required to exchange:
- Name and address
- Vehicle registration number
- Insurance information
If the other driver refuses, take down their licence plate and report them to the police.
4. Collect Evidence at the Scene
Gather as much information as possible:
- Photos of the scene, vehicle damage, road signs, and weather conditions
- Dashcam footage if available
- Witness contact details
- Time and location of the crash
This evidence will support your insurance and personal injury claim if needed.
5. Report the Accident to Your Insurer
Even if you don’t intend to claim through your insurer:
- Report the crash as soon as possible
- Provide details and photos
- Get a reference number for your records
Delaying could affect future claims or invalidate your policy.
6. Seek Medical Attention
Even minor crashes can cause injuries like:
- Whiplash
- Concussion
- Back or neck strain
Visit your GP or A&E and request a medical report, which will be important for any compensation claim.
7. Contact a Personal Injury Solicitor
If you’ve been injured or suffered financial loss, consider legal advice. A solicitor can help you:
- Claim compensation for pain, suffering, and loss of income
- Recover vehicle repair costs
- Handle negotiations with insurers
- File your claim under No Win No Fee
The sooner you speak to a solicitor, the stronger your case will be.
8. Claim Through the Other Driver’s Insurance
If the other driver is at fault:
- You can claim directly through their insurer
- Alternatively, your solicitor can manage the claim for you
If the other driver is uninsured or untraceable, you can still claim through the Motor Insurers’ Bureau (MIB) in the UK.
9. Keep Records of All Expenses
Track all costs related to the accident:
- Vehicle repair or replacement
- Medical bills
- Lost wages or sick leave
- Transport costs
- Prescriptions and therapies
These expenses can be included in your compensation claim.
Frequently Asked Questions
1. What if the other driver leaves the scene?
Try to get their registration number and report it to the police immediately. You may still claim via the Motor Insurers’ Bureau.
2. Can I claim if the accident wasn’t my fault?
Yes. You can claim compensation for injuries and losses caused by the other party’s negligence.
3. Do I need to inform my insurance even if I wasn’t at fault?
Yes. You must report it—even if you don’t intend to claim through them.
4. What if I’m partially to blame?
You can still claim, but your compensation may be reduced accordingly.
5. Will my No Claims Bonus be affected?
Possibly, unless the insurer recovers all costs from the other party.
6. Is there a time limit to make a claim?
Yes. You typically have 3 years from the date of the accident to make a personal injury claim.
Conclusion
If someone crashes into you, act quickly, stay safe, and gather as much information as possible. From exchanging details to contacting a solicitor, each step helps protect your health, rights, and finances. Whether your injuries are mild or serious, don’t leave things to chance—get expert legal advice and claim the compensation you’re entitled to.
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