What to do if you have a Car Accident

Car accidents happen. Even the most cautious or experienced driver can find themselves in a car accident. Often car accidents are traumatic and stressful experiences no matter how minor. After a road accident, you are likely to feel shaken up and in a degree of shock. The best way to minimise stress is to know exactly what to do if you have a car accident.

It makes sense to be fully prepared so you don’t forget to do anything. That’s where Loyalty Law comes in. We have designed a succinct booklet that makes it super easy to collect all the vital information required following a car accident. You can download it for free by clicking here, print it off and keep it in the glovebox of your car along with the following essentials:

  • pen
  • notepad
  • a disposable camera (if your phone doesn’t have one)

10 Steps: What to do if you have a Car Accident

 1.   The most important thing to do is to remain calm. This is, of course, easier said than done but take some deep breaths and remember car accidents do happen.

 
2.   Stop your car. Move it to safety if possible.
 
 
3.   Make sure that you and your passengers are ok and that no one is injured.

– If anyone is injured call 999 for police and ambulance
 
 
4.   Collect relevant contact details from:

  • Drivers
  • Passengers
  • Witnesses

These include full name, address, email address and phone numbers. You will want to note down the number of passengers and their full contact details too. If you get the chance, note down any physical characteristics of the drivers involved.

 

You are obliged to give your name and address to anyone else involved in the accident. 

If someone leaves the scene of the car accident without giving their details then call 999 immediately.

 

5.  Take the following details for all the vehicles involved: 

  • Make
  • Model
  • Registration Number
  • Damage to Vehicle
  • Name of Insured if Different from Driver
  • Insurer
  • Insurer Policy Number

 

6. Take pictures with your phone camera or disposable of any damage to the vehicles involved, the accident scene & any injuries.
 
 
7.   Sketch the positions of the cars involved, include road names and any relevant features such as signs, roundabouts, road markings.
 
 
8.   Write a detailed description of what happened. Start with the time and date and include road names, estimates of car speeds, weather conditions, light levels, distances between vehicles & what was said after. The more details you can jot down the better. 

9.  Call your insurer. Let them know what has happened. If your car is not safe to drive they will be able to advise you what to do next. They will also be able to let you know the nearest approved garage if required.

 

10. If you are in pain or any discomfort, then go the nearest hospital as soon as possible or if the pain develops later go and see your GP. 

As you can see this is quite a lot of information to take in and remember especially following a car accident so print out our car accident survival guide which takes you through each stage with space to record all the key information required to make an insurance claim.

 

TIPS:

  • Do not apologise or say sorry.
  • Keep safe. Be aware of dangers from the road.
  • If you take any phone numbers from other drivers or witnesses, give them a quick call to make sure they work.
  • If the police attend the accident make sure you get their report and incident number.
  • Be aware of  Third Party Capture: Third Party Capture is when an insurer approaches you directly, usually with a phone call, to try and settle the claim directly before you have a chance to contact a solicitor. The insurance company will usually offer a compensation payment to settle the claim with you rather than go through a solicitor. By doing this, the insurer stops you from receiving the compensation you deserve. The amount will be considerably lower than that an expert car accident solicitor can get you.

 

What Happens Next

Injury

If someone is injured and you do not have your certificate of insurance with you, you will need to report the accident to the police within 24 hours and produce your certificate of insurance.

Expenses

Keep track of any expenses incurred as a result of the accident. If this includes time off work, get your employer to confirm any loss of income in writing. Keep receipts. If you need medical attention then keep notes and any prescriptions.

Contact Loyalty Law

If you have suffered any injury following the car accident then contact one of our expert car accident solicitors at Loyalty Law. Our expert solicitors will help you with your claim, answer any questions you may have and provide you with the support you need. Call for a free enquiry on 0800 142 2775 or fill out our free enquiry form here.

DOWNLOAD FREE WHAT TO DO IF YOU HAVE A CAR ACCIDENT SURVIVAL GUIDE HERE