Being in a car accident is stressful, whether it’s a minor bump or something more serious. In the heat of the moment, it can be hard to know exactly what to do – but taking the right steps can make all the difference when it comes to safety, insurance claims, and protecting your rights.
In this guide, we’ll walk you through the essential steps to take after an accident, from making sure everyone is safe to dealing with insurance. Whether you’re at fault or not, knowing what to do can help you stay in control and avoid costly mistakes.
What to do immediately after a car accident
1. Stop the car when safe to do so and turn on hazard lights
It’s a legal requirement to stop after an accident, no matter how minor. Turning on your hazard lights helps alert other road users and reduces the risk of further incidents.
2. Check for injuries
First things first – check yourself for any injuries, then your passengers. Shock can mask pain, so take a moment. If anyone’s hurt, call 999 straight away.
3. Call the police
You should call the police if:
- Someone is injured, or property is damaged
- Certain animals, like farm animals or dogs, are killed or injured
- A vehicle other than yours is damaged
- Street signs, bollards, or other public property are affected
In an emergency, dial 999 immediately. For less urgent cases, report the incident to the police via 101 within 24 hours. Failing to stop or report an accident is an offence that could lead to a fine, penalty points, or even imprisonment. If the accident is causing an obstruction, it’s best to call the police.
4. Don’t admit fault
In the heat of the moment, it can be tempting to apologise – even if you’re not sure what happened. But admitting fault at the scene could affect your insurance claim later. Instead, stick to the facts when speaking to the other driver and the police. Let insurers determine liability based on the evidence.
5. Exchange details
If it’s safe, exchange info with the other driver. You’ll need:
- Name and contact details
- Vehicle registration number
- Insurance details
If they refuse or give dodgy info, call the police. If it’s a company car, note the business name. Keep it simple — just stick to swapping details and avoid discussing who’s to blame.
6. Get Evidence
A few quick snaps and notes now can save you a headache later:
- Take photos – damage, number plates, and the scene.
- Jot down key details – time, location, weather, and road conditions.
- Ask for witness contacts – if anyone saw what happened.
The more evidence you have, the easier it’ll be to sort your insurance claim. If you have a dashcam, this is where it really proves its worth. Footage from the moment of impact can provide clear, unbiased evidence of what happened, which can be invaluable when dealing with insurers or if there’s a dispute over who’s at fault.
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7. Report the accident to your insurance company
Even if the damage seems minor, you should let your insurance company know about the accident as soon as possible. Some policies have a time limit for reporting, so don’t put it off.
When you call, have the key details ready:
- Date, time, and location of the accident
- Other driver’s details (if applicable)
- Photos and witness info (if you have them)
Be honest about what happened, but stick to the facts. If the accident wasn’t your fault, your insurer will handle the claim with the other party’s provider. Not reporting it could invalidate your policy, so it’s always best to keep them in the loop.
What should I keep in my car in case of an accident?
No one plans to have an accident, but being prepared can make a stressful situation much easier to handle. Carrying a few key items in your car can help keep you safe, assist with gathering evidence, and even get you back on the road faster.
A roadside emergency kit is a great all-in-one solution, typically including essentials like a first-aid kit, warning triangle, high-vis jacket, and torch – all things you’ll be glad to have if you ever break down or get into an accident.
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Alongside an emergency kit, it’s also worth keeping a phone charger or power bank, a notepad and pen, and a dashcam in your car. These small extras can be invaluable in an emergency, helping you stay safe and document what happened.
FAQs
Will a non-fault accident affect my car insurance?
Unfortunately, yes. Even if the accident wasn’t your fault, it will still be recorded on your insurance history. Insurers see any claim — fault or not — as an increased risk, which can lead to higher premiums when you renew. That said, if your insurer can fully recover costs from the other party, the impact on your premium may be lower. It’s always worth shopping around at renewal to make sure you’re getting the best deal.
How long do I have to report a car accident to my insurance company?
Most insurers expect you to report an accident within 24 hours or as soon as possible, even if you don’t plan to make a claim. Check your policy’s terms to be sure — waiting too long could invalidate your cover. If another driver was involved, their insurer might contact yours first, so it’s best to get ahead of it.
What happens if the car accident wasn’t my fault?
If the accident wasn’t your fault, you can make a non-fault claim. Your insurer will then approach the at-fault driver’s insurance to recover costs for any damage to your car or personal injuries.
If the responsible driver can’t be identified — such as in a hit-and-run or an accident caused by an animal — your insurer may treat you as liable. In these situations, your own insurance will likely cover the costs, but you might need to pay an excess.
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