What to do after a car accident

A car accident can turn the smoothest journey into a stressful situation in a matter of seconds. But knowing what to do in the event of a crash can help you feel prepared if it happens to you. That’s why we’ve pulled together these steps to guide you through any car-related incidents. So, whether it’s an annoying ding in your bumper or a collision that takes your car out of action, you’ll know what to do.

Check out our guide at a glance or read on for more information.

Keep calm and stop safely

So, first thing’s first. If you can and it’s safe to do so, try and pull over so you’re not blocking any traffic. Then, turn off your engine and put your hazard lights on so you’re more visible to other road users.

Not only is this the safest course of action for you, your passengers and other road users, stopping after a traffic accident is also a legal requirement. You could be charged with leaving the scene of the accident, also known as a hit and run, if you drive off before reporting it or sharing your details.

Check for injuries

Once you’ve stopped safely, your next priority should be checking yourself and anyone else in the vehicle for injuries.

If anyone’s seriously hurt or needs urgent medical attention, call 999 immediately so they can get the help and treatment they need. And even if you feel okay, it’s still a good idea to get checked out by your GP or take a trip to a walk-in centre.

So, forget “Is my car okay?” for a second and ask yourself “Am I okay?”. Remember, even though your car is likely one of the most valuable items you own, it can usually be repaired or replaced – but in the event of an accident, only comprehensive cover will ensure this for your own vehicle – that’s what car insurance is for.

Contact the police

Always dial 999 in emergency situations so you can get help fast. And, even if it's not a serious incident, you must still contact the police if:

• anyone's injured, including yourself
• anyone at the scene is being aggressive or uncooperative
• you suspect the other driver isn't insured or they've left the scene without stopping
• you haven't been able to exchange details
• you think this could be a 'crash for cash' scam
• you think the other driver may have committed a driving offence, such as driving under the influence of drugs or alcohol
• your vehicle is blocking the road
• there's damage to property, road signs, railings or bollards.

Once they've arrived, police officers will be able to support you and keep everyone safe.

Exchange details with other drivers and witnesses

You have a duty to share your details with any other individuals involved in an accident, as well as passengers and witnesses. The police will also take down your information if they need to.

Make sure you share your:

• name, address and contact details
• driving licence number and vehicle registration
• insurance information.

You should also take the same information from anyone else involved. Tensions can run high after a crash. Try to stay calm, be polite and avoid blaming anyone for what’s happened at this stage.

Document the accident scene

Once you’ve done all the above, the next step is to make sure you have an accurate record of what’s happened. This can help you and your insurer if you need to make a claim. But it’s also a good idea to note down useful information in case of any legal action too.

Get photo or video evidence

Take footage of:

• damage to vehicles or property, such as bicycles
• your vehicle’s overall condition, including any pre-accident damage
• the accident scene, so it’s clear where you were
• any evidence that shows what happened, such as tyre skids or marks

Check for CCTV or surveillance cameras nearby

This could include:

• CCTV from shops and public places
• dash cam or private CCTV footage from members of the public

If it’s not possible to get this footage, contact your insurer as they may be able to help. 

Sketch the scene, write a statement

Try to do this as soon as you can so the details are fresh in your mind. Jot down:

• a sketch of the accident scene
• the road name or names where the accident happened
• your direction of travel
• the speed you were travelling at
• information about the driving and weather conditions
• details of any injuries

Report any accidents to your insurer as soon as you can, ideally within 24 hours. The sooner you report it, the quicker your insurer can help you. Have your policy details to hand and the details of anyone else involved in the crash when you call.

Share the evidence you’ve gathered with your insurer and let them know about any damage or injuries. This will help them assess your claim and decide who’s at fault.

A car crash is something we’d all rather avoid. But when accidents happen, it helps to be prepared. By following these steps, you’ll be better equipped to keep everyone safe. As well as helping to protect yourself from the potential legal and financial impacts of a road traffic accident.