1. Stop Immediately
Whether it’s a major collision or a minor bump, you must stop your vehicle. Leaving the scene without stopping is an offence under the Road Traffic Act 1988.
2. Ensure Safety
- Switch on hazard lights
- Check for injuries to yourself, passengers, and others
- Move to a safe area if possible, without obstructing traffic
- Don’t exit the vehicle if it’s unsafe (e.g., on a motorway)
3. Check for Injuries and Call Emergency Services
- Call 999 if there are serious injuries, obstructions, or fire
- Use 101 for non-emergency police assistance
- Provide first aid if trained and necessary
Get medical attention even if injuries seem minor—some may surface later.
4. Exchange Information
By law, you must share:
- Full name and address
- Vehicle registration number
- Insurance details (even if no damage is visible)
If anyone refuses or leaves the scene, report them to the police.
5. Gather Evidence
To support insurance and legal claims:
- Take photos of vehicle damage, the scene, number plates, and injuries
- Record date, time, location, and weather conditions
- Collect witness names and contact details
- Note any CCTV or dashcam footage sources
This helps determine fault and speeds up your claim.
6. Report the Accident (If Required)
You must report the incident to the police within 24 hours if:
- Someone is injured
- You didn’t exchange details at the scene
- A third-party vehicle, property, or animal was damaged
Failure to report can lead to fines, points, or prosecution.
7. Inform Your Insurance Provider
Even if you don’t intend to claim, notify your insurer within 24–48 hours:
- Provide a clear statement of events
- Submit evidence (photos, witness info)
- Do not admit fault—just share facts
Delays or omissions may affect future claims.
8. See a Doctor
Injuries like whiplash or concussion might not be felt immediately. Visit a GP or hospital to:
- Document injuries professionally
- Support any future personal injury claim
- Ensure long-term issues are diagnosed early
Keep all medical records and receipts.
9. Consider Legal Advice
If the accident wasn’t your fault, you may be entitled to compensation for:
- Physical injuries
- Psychological trauma
- Vehicle damage
- Loss of earnings
- Medical and travel expenses
Consult a no win no fee personal injury solicitor to explore your rights.
10. Keep Detailed Records
Store:
- Photos and written statements
- Police reports and medical documents
- Insurance and repair correspondence
- Witness contact details
Organised evidence supports your claim and simplifies the legal process.
Frequently Asked Questions
1. What happens if I don’t report the accident?
You could face penalties, especially if there are injuries or property damage.
2. Can I claim if the other driver fled the scene?
Yes. You can claim through the Motor Insurers’ Bureau (MIB) if the driver is uninsured or untraced.
3. Should I admit fault at the scene?
No. Avoid statements that could be interpreted as accepting blame.
4. Do I need to call the police for minor accidents?
Only if injuries occur, someone refuses to exchange details, or damage is significant.
5. What’s the time limit to file a personal injury claim?
You have 3 years from the date of the accident or from discovering the injury.
6. Is car accident compensation taxable?
No. In the UK, compensation from personal injury claims is tax-free.
Conclusion
Knowing exactly what to do if you have a car accident can make a huge difference. From safety and reporting to evidence collection and legal advice, these steps protect both your health and your financial interests. Stay calm, stay safe, and take swift action to ensure the best outcome.
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