Car accidents are traumatic for everyone involved and can cause serious physical injuries and mental harm. No one expects to be in an accident but knowing what to do in the moments after a collision can make all the difference, both for your safety and when dealing with the legal and insurance aftermath.
Whether it’s a minor bump or a serious crash, refer to our guide to learn about how to stay protected and comply with UK law.
Stop Safely
If you’re involved in a collision with another vehicle, object, animal, or person, you must stop, even if the accident seems minor. Failing to do so is a criminal offence. Find a safe place to stop the car, switch off the engine, put on the handbrake, and turn on your hazard lights.
By doing this, you’ll let other road users know you’re dealing with an emergency and help prevent further incidents. Only exit your vehicle when it’s safe to do so, especially if you’re on a busy road or motorway.
Check for Injuries
After exiting your car, you must check yourself and anyone else involved for injuries. Don’t attempt to move anyone unconscious or in pain unless they are in immediate danger from fire or incoming traffic.
Call 999 for emergency services if there are injuries or if the road is blocked. Even if you or other people involved have no visible injuries, it’s wise to seek a medical check-up afterwards, as symptoms like whiplash can take time to appear. You should always notify the police regardless of the crash’s severity, particularly if someone has been hurt or if you suspect the other driver is under the influence or uninsured.
Exchange Details
Under UK law, you must exchange details with anyone involved in the accident. Take their full name and address, insurance provider and policy number, vehicle registration number, and the make and model of their car.
You should also record the time, date, and location of the accident, noting the road conditions and the weather. Take photos of the scene and damage to your car and ask any witnesses for their names and contact information. This information can be useful if you need to make an insurance claim or defend yourself against one.
Aftermath of the Incident
Once the immediate situation is under control, you’ll need to notify your insurance provider, even if you’re not making a claim. If the accident was the other driver’s fault, their insurance should cover repair costs and provide a courtesy car.
On the other hand, if the accident was your fault, your insurer will cover the damage, but you may lose your no-claims bonus and be required to pay the policy excess. You may be eligible to make a compensation claim if you’ve been injured, especially in cases where the other driver was at fault. Always seek legal advice if you’re unsure of your rights or if the incident leads to ongoing medical treatment.