1. Prioritise Safety First
Immediately check yourself and others for injuries. If it’s safe, move your vehicle to the side of the road to prevent further accidents. Turn on hazard lights to alert other drivers.
2. Call Emergency Services
If anyone is injured or if the road is blocked, dial emergency services right away. In the UK, call 999 for police, ambulance, or fire services. It’s also wise to report the accident to the police if there’s significant damage or disputes.
3. Exchange Details with the Other Driver(s)
Legally, you must exchange:
- Full name and contact number
- Vehicle registration
- Insurance details
Also take note of their driving licence number, the vehicle’s make and model, and their address if available.
4. Do Not Admit Fault at the Scene
Stick to the facts. Avoid admitting blame, as this could affect any future insurance or legal proceedings. Let insurers and investigators determine liability.
5. Document the Scene
Take clear photos of:
- Vehicle damage
- The accident location
- Road signs, skid marks, or debris
- Injuries, if visible
Also, collect witness names and contact info, and note the date, time, and weather conditions.
6. Seek Medical Attention Promptly
Even if you feel fine, see a doctor as some injuries (like whiplash or concussion) appear hours or days later. Medical records also serve as vital evidence for insurance or legal claims.
7. Notify Your Insurance Company
Inform your insurer about the accident as soon as possible. Provide them with accurate details and evidence to start your claim. Delaying may void your cover.
8. Keep Records of All Expenses
Save receipts and documents for:
- Medical bills
- Car repair costs
- Lost income
- Travel to appointments
These can form part of a compensation claim.
9. Consider Legal Advice if Injuries Are Involved
If you were hurt, it’s wise to consult a personal injury solicitor. You might be entitled to claim compensation, especially if the other party was at fault.
10. Know the Time Limit to Claim
In the UK, you typically have three years from the date of the accident to make a personal injury claim. Exceptions apply for minors or those lacking mental capacity.
Frequently Asked Questions
What if the other driver leaves the scene?
Report it to the police immediately. Hit-and-run accidents are criminal offences and need investigation.
Should I call the police if it’s a minor accident?
Yes, if there’s any injury, a vehicle blockage, or the other driver refuses to give details. A police report can help later.
Can I move my car after an accident?
Only if it’s safe and legal to do so. Otherwise, wait for the authorities to arrive.
Is it illegal not to report a car accident?
Yes, failing to stop and report a road accident is a legal offence in the UK if there’s injury or property damage.
What should I not say after a car accident?
Avoid phrases like “It was my fault” or “I didn’t see you.” Let investigators handle the details.
How long does it take to receive insurance or compensation?
This depends on injury severity and dispute level. Simple cases can settle in months; complex ones may take over a year.
Conclusion
Knowing what to do in a car accident can make a huge difference in how you recover—physically, emotionally, and financially. Stay calm, gather evidence, seek medical help, and protect your rights by informing the proper authorities and your insurer. If you’ve suffered injuries, legal support may also be a valuable step towards rightful compensation.
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