Martin taggart

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1. Stay Calm and Ensure Safety First
Immediately check for injuries to yourself and any passengers. If anyone is hurt, call emergency services (999 in the UK) right away. If it’s safe, move your vehicle to the side of the road to avoid blocking traffic or causing further accidents.

2. Call the Police (If Necessary)
Contact the police if:

• Someone is injured
• There’s damage to property
• The other driver is uninsured or has fled the scene (hit and run)
• You suspect the other driver is under the influence

Make sure to obtain a police reference number for your records.

3. Exchange Details with the Other Driver
Legally, you must exchange:

• Names
• Contact information
• Vehicle registration numbers
• Insurance company details

Do not admit fault, even if you think you were partially responsible. Just share the facts.

4. Collect Evidence at the Scene
Take clear photos of:

• All vehicles involved
• Number plates
• Damage to vehicles
• The accident location (road signs, signals, skid marks)

Also, note:

• Time and date
• Weather and road conditions
• Names and contact details of any witnesses

This evidence will support your insurance or legal claim later.

5. Report the Accident to Your Insurance Company
Even if you don’t intend to claim, you must notify your insurer of the incident—usually within 24 hours. Provide accurate, factual information, but avoid speculating or admitting fault.

6. Seek Medical Attention
Some injuries, like whiplash or internal trauma, may not show symptoms immediately. Visit a GP or hospital to get checked. Medical records will support any personal injury claims.

7. Contact a Car Accident Solicitor (If Needed)
If you’re injured or facing repair/replacement costs, a solicitor can help you claim compensation for:

• Medical treatment
• Car repair or replacement
• Lost earnings
• Pain and suffering

Many work on a no win no fee basis, so there’s no risk if your claim is unsuccessful.

8. File a Claim with the At-Fault Driver’s Insurer
If the other party was clearly at fault, you can claim directly through their insurer. You’ll need their policy details and any supporting evidence. Your solicitor can handle this on your behalf to avoid stress and delays.

9. Keep All Documentation
Maintain a folder with:

• Photos
• Police reports
• Medical records
• Insurance correspondence
• Repair estimates
  This will help track your claim progress and provide proof if disputes arise.

10. Know Your Rights and Deadlines
In the UK, you typically have three years from the date of the accident to make a personal injury claim. For property damage, the time limit may differ. A solicitor can ensure you meet all legal requirements.

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Frequently Asked Questions

Do I need to report every accident to the police?
Only if someone is injured, the other driver is uncooperative, or property has been damaged.

Can I claim if the other driver was uninsured?
Yes. You can claim through the Motor Insurers’ Bureau (MIB) if the at-fault driver has no insurance.

What if I was partly at fault?
You may still receive partial compensation under contributory negligence rules.

Will my insurance premium increase?
It may, especially if you make a claim. However, if you were not at fault and the insurer recovers costs, it could remain unaffected.

Can I drive my car if it’s still working after the crash?
Only if it’s safe and roadworthy. If unsure, arrange for a recovery service and have it inspected.

What should I do if the other driver flees the scene?
Note as many details as possible (vehicle make, model, colour, number plate) and report it to the police immediately.