What You Need to do After a Car Accident
If you are unlucky enough to be involved in an accident, here are the immediate steps you need to follow.
Car accidents can be pretty stressful experiences, whether it’s a collision with another road user or reversing into your garage. Many drivers don’t give much thought about what to do if they’re involved in an accident because you don’t expect it to happen to you! However, accidents can and do happen, even involving the safest of drivers, so it’s important to be armed with the knowledge of what you’ll need to do.
What do I need to do after a car accident?
The first thing you should do is stop, no matter how minor the accident may appear. Failing to stop is actually an offence under the Road Traffic Act.
Make sure all drivers and passengers (including pets) are out of the vehicle. Switch off the engine and turn on your hazard lights. If the vehicle is driveable and it is safe to do so, move the car off the main road and out of any oncoming traffic.
Call Emergency Services
Take a look around the scene of the accident. Has anyone been injured? If so you should call the police, and an ambulance if necessary, as soon as possible.
You should also call the police if the crash is severe, you believe you have been a victim of a “crash-for-cash” scam, or if a vehicle is blocking the road and it is unsafe to move it.
Collect The Details
Once safe to do so, please obtain all the details of other parties involved. You will need the following details for all drivers or property owners involved:
• Full name
• Contact telephone numbers
• Car registration, make and model
• Insurance details including their policy number
Make a note of the time, location and circumstances of the accident, and of any passengers travelling in the other vehicles including details like their age. Take photographic evidence of the scene if possible, including any damage to cars and property, road markings and signs. Additionally, please gather the details of any witnesses or emergency services at the scene.
How long do I have to report a car accident to my insurance company?
You should call us as soon as possible to report the incident, even if you don’t plan on making a claim. Your safety is the most important concern, so do not call us until it is safe to do so. If possible, call us from the scene of the accident. We understand that this is not always possible, especially for more serious accidents. We ask that if it is not possible to contact us on the same day that the accident is reported within 48 hours.
To report an incident and register a new claim, please call us on 0330 134 8647. Our opening hours are:
• Monday to Friday – 8am to 9pm
• Saturday – 9am to 5pm
• Sunday – 10am to 4pm
If you’re calling outside of these hours, please call our out of hours helpline on 01206 771 752.
What happens when I report a car accident?
When you call us to report the accident we will need to take as much information as possible about the incident and the details of all parties involved. This is why you should always gather as much information as possible at the time. Based on the information provided we can discuss the options available to you.
What happens after I’ve registered a claim?
When you call us to report the incident, you will be assigned a dedicated claims handler. We understand that any type of car accident, even small bumps, can be stressful and confusing, especially if it’s your first time. The person you speak to will be there to guide you through the process of making a claim and answer any questions you may have.