What to Do After a Car Accident in the UK: Step-by-Step Guide

Summary

• Stop and check for injuries: It's illegal to leave the scene. Call 999 if anyone is hurt.
• Exchange details with the other driver: Name, address, insurance, and registration number.
• Document everything: Photos, dashcam footage, and witness details will support your insurance claim.

A car accident is stressful, but knowing what to do step by step can make all the difference. Here's how to handle it properly, protect yourself legally, and ensure your insurance claim goes smoothly.

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Step 1: Stop and Stay Safe

You must stop. It's a criminal offence to leave the scene of an accident where there's been damage or injury. Failing to stop can result in:

• 5-10 penalty points on your licence
• Up to 6 months in prison
• An unlimited fine
• A driving ban

Turn on your hazard lights. If it's safe, move your car to the side of the road to prevent further accidents. On a motorway, move to the hard shoulder and get behind the barrier.

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Step 2: Check for Injuries

Check yourself, your passengers, and anyone else involved. If anyone is injured:

• Call 999 for emergency services
• Don't move an injured person unless they're in immediate danger (e.g., fire)
• Provide first aid if you're trained to do so
• Keep the person warm and calm while waiting for help

Even if no one seems hurt, some injuries (like whiplash) don't appear immediately. See a doctor within 24 hours if you feel any pain.

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Step 3: Exchange Details

You're legally required to exchange information with the other driver(s). Get:

• Name and address
• Phone number
• Insurance company and policy number
• Vehicle registration number
• Make, model, and colour of their car

If the other driver won't give you their details, note their registration number and report it to the police within 24 hours.

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Step 4: Document the Scene

Evidence is crucial for your insurance claim. Gather as much as you can:

• Photos: Damage to all vehicles, the road layout, traffic signs, road markings, weather conditions, and any injuries
• Dashcam footage: Save the clip before it's overwritten
• Witness details: Get names and phone numbers of anyone who saw what happened
• Notes: Write down what happened while it's fresh. Include time, date, and location
• Road conditions: Note if the road was wet, icy, or had potholes

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Step 5: Report to the Police (If Required)

You must report the accident to the police within 24 hours if:

• Anyone is injured
• The other driver didn't stop or give their details
• You suspect the other driver was under the influence of drink or drugs
• There's damage to property other than the vehicles involved

For minor bumps where details are exchanged and no one is hurt, you don't need to call the police.

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Step 6: Contact Your Insurance Company

Report the accident to your insurer as soon as possible, even if you don't plan to make a claim. Most policies require you to report all accidents.

When you call, have ready:

• Your policy number
• Details of the other driver and vehicle
• Photos and dashcam footage
• A description of what happened

Important: Don't admit fault at the scene or to your insurer. Let the insurance companies determine liability based on the evidence.

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Common Mistakes to Avoid

• Don't admit fault: Even saying "sorry" can be used against you
• Don't agree to settle privately: This can backfire if hidden damage or injuries emerge later
• Don't neglect to report it: Even minor bumps should be reported to your insurer
• Don't throw away evidence: Keep all photos, footage, and notes until the claim is fully settled
• Don't delay medical treatment: Late claims for injury are harder to prove

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