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What to Do in the Event of an Accident

Being involved in an accident, no matter how minor, can be a stressful event for even the most experienced driver.

It is important that you know what to do, in the event of an accident. We have therefore produced the following guidelines to outline the steps you can take following an accident.

We also have a mobile site that will guide you through the basic information to take at the accident scene. Please use the QR Code below to add the site to your phone. Once you have opened the site, we suggest that you bookmark it, so you can come back to it should you need it.

Try to stay calm. Now is a crucial time to obtain accurate and relevant information with regards to the accident you have been involved in. Do not admit liability at the scene of the accident or offer any form of settlement

Step 1: Stop

If you are involved in an accident with:-

  • Another Vehicle
  • A Cyclist
  • A Pedestrian
  • An Animal (this means, horses, cattle, asses, sheep, pigs, goats or dogs) or
  • If you have caused damage to a person’s property

You are required to stop as soon as it’s safe to do so.
If a person, dog or animal is injured as a result of the accident, you are legally obliged to report the incident to the police. Failing to stop at the scene of an accident is a motoring offence.

If the stretch of road that the accident has occurred on is now obstructed as a result of the accident, it is necessary to contact the police so they can assist in closing the road to make the area safe.

Step 2: Exchange Details

All parties involved in the accident are required to exchange details at the scene, this is a legal requirement. Obtain the following details from all other parties present at the scene, you need to obtain as much of the following information as possible:-

  • Third Party’s Name
  • Third Party’s Full Address (including Postcode)
  • Third Party’s Contact Number(s)
  • Third Party’s Vehicle Details (if Applicable) such as; Make, Model and Registration Number
  • Third Party Insurance Company
  • Third Party Insurer’s Policy Number (if Available)

You should avoid accepting liability at the scene, even if you believe that you were responsible for the accident. Liability should only be discussed when the claim is reported to us.

Step 3: Obtain Witness Details

If the accident has been witnessed by an independent party (somebody not travelling in your vehicle), you should obtain as much of the following information as possible:-

  • Witnesses Full Name
  • Witnesses Full Address (including Postcode)
  • Witnesses Contact Number(s)
  • Witnesses Position in Relation to the accident (ie in the vehicle directly behind, in the shop across the road etc)

Step 4: Record Accident Details

Once you have obtained the necessary details from the other parties involved and any independent witnesses, you now need to record as much of the accident details as possible:-

  • Date and Time of the Accident
  • Accident Location (i.e. Street Name, Town etc.)
  • The Position of the Vehicles Involved (if applicable), along with road markings and the direction of travel.
  • Take Images of the Accident Scene with either a camera or camera phone, if available. If you are unable to take images at the scene, it would be prudent to sketch a diagram to show the accident circumstances.
  • Record any other details you think may be important e.g. the third party was using their mobile phone, or if you think the driver of the other vehicle was under the influence of drink or drugs, weather conditions etc.

Step 5: Contact Us

There are several ways to report a claim to us. Please see our contact us page for a full list of ways you can get in contact with us to report a claim.