Even if you’re the most careful driver on the road, you might find yourself in an accident, whether it’s a minor bump in city traffic or a more serious collision on a country road. The minutes that follow are often confusing – your adrenaline surges, bystanders gather around, and it can be hard to think clearly. That’s why you need to know what to do in advance if the unexpected happens. Here’s a quick guide with the essential steps for staying safe, meeting your legal obligations, and protecting any potential car accident claims.
First priority: Stop safely, assess and secure the scene
You need to secure the scene without panic in the first critical minutes. As soon as the accident happens, bring your car to a safe stop. Turn off the ignition, switch on hazard lights, and if it’s safe, move to the hard shoulder of the road or another protected space. Check yourself, passengers, and others involved for injuries. Never move anyone who is seriously hurt unless there’s immediate danger. If you can, use warning triangles to alert other drivers, and keep a safe distance from traffic.
Call emergency services and involve the police if required
Call 999 immediately if anyone is injured, if the road is blocked, or if another driver leaves the scene. Under the Road Traffic Act, you’re legally required to stop and exchange details after an accident. If you can’t do this, or if the collision has resulted in property damage or injury, you must report the incident to the police within 24 hours.
Photos, witnesses, insurance: Collect evidence to protect your claim
Once you know that everyone’s safe, exchange names, addresses, emails, vehicle registration numbers, and insurance details with the other drivers. Take photos of damage, road markings, traffic signs, and any relevant weather conditions. Gather contact details from witnesses since their testimony could prove vital later. Keep these records organised. Having solid evidence can make all the difference for both insurance and any car accident claims you may submit.
Inform insurers, seek medical attention and follow up
Stay proactive after you leave the scene. Even if the incident seems minor, contact your insurer promptly (many policies require notification within 24 to 48 hours). If you delay, your cover could be affected. See a medical professional as soon as possible, even for mild pain or stiffness, since injuries such as whiplash may only show symptoms later. Keep all medical records and receipts, and follow up on any treatment or repair costs through your insurer.
Turn car accident panic into a clear plan
The minutes after a car accident can be extremely disorienting, but knowing exactly what to do will help you act with confidence instead of confusion. Prioritise safety, follow the law, and document everything – these essential steps will make recovery faster and protect you in the weeks that follow.
