1. Stay Calm and Prioritise Safety
After a car accident, even if it wasn’t your fault, your first priority is safety. Stay calm, turn on hazard lights, and check yourself and passengers for injuries. If anyone is hurt, call 999 immediately.
2. Move to a Safe Location
If the vehicles are drivable and it’s safe to do so, move them to the side of the road to prevent further danger or disruption. If not, stay inside the vehicle until help arrives.
3. Call Emergency Services
Even if the accident seems minor, it’s wise to notify the police. A formal police report helps document the incident and may support your claim later.
Call:
- 999 for emergencies
- 101 for non-emergencies where no one is injured
4. Do Not Admit Fault
Avoid making any statements about who’s to blame at the scene. Emotions run high after accidents, and even an innocent comment can be misinterpreted. Let the insurance companies and legal experts determine liability.
5. Exchange Details with the Other Driver
Get the following from all involved drivers:
- Full name and contact details
- Insurance information
- Vehicle registration number
- Driver’s licence number (if possible)
Failure to exchange these can result in penalties.
6. Collect Evidence at the Scene
Take photos and videos of:
- All vehicles involved
- Vehicle damage
- Road conditions
- Traffic signs
- Injuries (if visible)
This will support your claim and establish that the accident wasn’t your fault.
7. Get Contact Information from Witnesses
If anyone witnessed the crash, ask for their name and contact details. Their statements may be crucial in proving your innocence later.
8. Report the Accident to Your Insurance Provider
Even if it wasn’t your fault, you must notify your insurer. Provide:
- The date, time, and location of the accident
- The other party’s details
- Photos or dashcam footage
- Police reference number (if applicable)
Failure to report may invalidate your policy.
9. See a Doctor – Even If You Feel Fine
Some injuries (like whiplash) may not show symptoms immediately. A prompt medical check:
- Protects your health
- Creates a medical record that supports your claim
Always keep records of any treatment received.
10. Contact a Personal Injury Solicitor
If you’ve been injured and the accident wasn’t your fault, a no win no fee solicitor can help you:
- Make a compensation claim
- Recover medical and travel expenses
- Secure lost wages due to time off work
Legal support is especially important in disputed claims.
11. Check for CCTV or Dashcam Footage
Footage from traffic cameras, local businesses, or your own dashcam can support your version of events. Request it as soon as possible—some data is deleted within days.
12. Keep All Records and Receipts
Maintain a file containing:
- Photos and videos
- Repair bills
- Medical reports
- Travel receipts
- Time off work documentation
These help calculate compensation and prove financial losses.
13. Don’t Accept a Quick Settlement
The other driver’s insurer might offer a low settlement to close the case quickly. Consult your solicitor before accepting. You may be entitled to more than they’re offering.
14. Claim for Vehicle Damage and Replacement Costs
If the accident wasn’t your fault:
- The other driver’s insurer should cover repairs or write-off compensation
- You may be entitled to a courtesy car or hire vehicle during repairs
Keep receipts and repair estimates to support your claim.
15. Monitor for Delayed Symptoms
Back pain, headaches, or psychological symptoms can appear days after a crash. Return to your GP if new symptoms develop. These can be added to your personal injury claim.
Frequently Asked Questions
1. What if the other driver doesn’t have insurance?
You can still claim through the Motor Insurers’ Bureau (MIB), which compensates victims of uninsured or untraceable drivers.
2. Should I call my insurance even if I don’t plan to claim?
Yes. Failing to notify them may violate your policy terms.
3. What if the other driver denies fault?
Provide evidence (photos, witness statements, dashcam footage) and let your solicitor handle the dispute.
4. Can I still claim if I was partly at fault?
Yes. You may receive reduced compensation based on your share of responsibility.
5. How long do I have to make a claim?
You usually have three years from the date of the accident to file a personal injury claim in the UK.
6. Will I have to go to court?
Most claims are settled out of court. You’ll only go to trial if liability or compensation is heavily disputed.
Conclusion
Knowing what to do after a car accident not your fault is crucial for protecting your health, finances, and legal rights. From gathering evidence to contacting your insurer and solicitor, every step matters. By staying calm and acting quickly, you give yourself the best chance of securing the compensation and justice you deserve.
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