In the Event of an Accident

​5 things you should do after being involved in a car accident.
  1. Check for injuries. The most important thing is to make sure that you and everyone else involved in the accident is okay. If you or anyone else is injured, call 999 or your local emergency number immediately.
  2. Stay at the scene of the accident. Leaving the scene of an accident is a crime, even if it is minor. If you are able to safely move your car to a safe location, do so, but do not leave the scene of the accident until the police arrive.
  3. Exchange information with the other driver(s). This includes your name, address, phone number, insurance information, and driver's license number. You should also get the same information from the other driver(s).
  4. Take pictures of the damage. This will help you document the accident and make a claim with your insurance company.
  5. Report the accident to the police. Even if the accident is minor, it is a good idea to report the accident to the police. This will create a record of the accident and can be helpful if you need to file a claim with your insurance company.

Some additional tips for dealing with a car accident:
  • Do not admit fault. Even if you believe that you are at fault for the accident, do not admit fault to the other driver or to the police. This could damage your case if you decide to file a claim with your insurance company.
  • Get medical attention, even if you do not feel injured. It is important to get medical attention after a car accident, even if you do not feel injured. This is because some injuries, such as whiplash, may not be immediately apparent.
  • Contact your insurance company as soon as possible. Once you have exchanged information with the other driver(s) and reported the accident to the police, you should contact your insurance company. Your insurance company will be able to help you with the claims process and make sure that you are properly compensated for your losses.

​Here are some other resources that you may find helpful:
  • The Motor Insurers' Bureau (MIB) - The MIB is a government-backed organization that helps to resolve claims between drivers who are not insured or who are underinsured.
  • The Highway Code - The Highway Code is a guide to the rules of the road in the UK.
  • The Citizens Advice Bureau - The Citizens Advice Bureau is a charity that provides free advice on a range of issues, including car accidents.

Making a Claim

5 things to do when making a car insurance claim in the UK:
  1. Report the accident to your insurance company as soon as possible. This is important, even if the accident is minor. Your insurance company will need to know about the accident in order to process your claim.
  2. Gather all of the relevant information. This includes the names and contact information of the other drivers involved in the accident, as well as the police report number, if one was filed. You should also take pictures of the damage to your car.
  3. Fill out the claim form. Your insurance company will provide you with a claim form. Be sure to fill it out completely and accurately.
  4. Provide any additional information that your insurance company requests. Your insurance company may ask you for additional information, such as medical records or receipts for repairs. Be sure to provide this information as soon as possible.
  5. Be patient. The claims process can take some time. Be patient and cooperate with your insurance company. They will work to resolve your claim as quickly as possible.

​Here are some additional tips for making a car insurance claim in the UK:
  • Be prepared to pay your excess. In most cases, you will be required to pay an excess when you make a car insurance claim. The excess is a set amount of money that you will have to pay before your insurance company will cover the rest of the costs.
  • Keep a record of all expenses. If you have any expenses that are related to the accident, such as medical bills or car repairs, be sure to keep a record of them. You can use this record to help you get reimbursed by your insurance company.
  • Get help if you need it. If you are having trouble dealing with the claims process, you can get help from a number of organizations, such as the Citizens Advice Bureau or the Motor Insurers' Bureau.