POST-ACCIDENT INFO

Post accident info

What to do after youve had an accident.

It’s not nice to think about, but it’s important you know what to do if your involved in a car accident. Taking the immediate right steps right after an accident can be difficult if you’re in shock, but it is important to try and remain calm and remember the following; STOP – Even if you think your accident is minor, you must stop the vehicle. Failing to stop is an offence under the road traffic act. Make sure you turn the engine off and turn on your hazard warning lights so other users know your presence. Call 101 or 999 – Depending on the severity of the accident, call 101 or 999. If anyone has been injured, you should call an ambulance and the police. If nobody has been injured but the accident is blocking the road then you should still call the police – also if you feel you’ve been a victim of ‘foul play’ (a crash for cash scheme where the driver purposely causes an accident to make a fraudulent insurance claim) you need to call the police. Giving details – After being involved in an accident you should collect as much details as possible from the other party. This includes names, addresses and contact details from any witnesses, drivers or passengers. Ask the other party(s) involved in the accident for their insurance details and try to establish whether they are the registered keeper of the vehicle they are driving. If they aren’t, find out who is and make a note of the keeper’s name and address. If someone leaves the scene of an accident without giving the details, call 999 immediately. Contact your insurer – After the accident, you will need to inform your insurer as soon as you can. Not doing so within the time period set out in your policy may cause an invalidation of your cover which in turn could leave you with a big bill to pay. Make sure you check your car insurance policy as the time periods can be anything from two weeks to two days after the accident. You should always inform your insurer about an accident, even if you don’t want to make a claim. Other information - It may also be useful to take images of the accident and the surroundings in the case the police or insurers are finding it difficult to work out what has happened or just to refresh your memory when you need to remember important details.