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What to do if you have an accident

If you are unfortunate enough to be involved in an accident, please follow these simple guidelines:

  • You must stop if any other person or animal has been hurt, or if any other vehicle or property has been damaged - DO NOT DRIVE AWAY.
  • Make sure you obtain the names, addresses and telephone numbers of any drivers, passengers or pedestrians involved in the accident together with any witnesses. You should also ask the drivers of the other vehicles involved for the name and address of their insurance company and their policy number. They are legally obliged to provide this information under the provisions of the Road Traffic Act. Call the police if anyone is hurt or if the other driver leaves without stopping or does not give their details.
  • Be prepared to provide a diagram of the accident scene at a later date. It will be helpful if you draw this as soon as possible after the accident when details are still fresh in your mind. This diagram should show the position of the vehicles involved both before and after the accident and note the speeds, distances, road layout, road signs and any obstructions to your and other road user's view. Also make a note of where witnesses were standing.
  • You must be prepared to show your Certificate of Motor Insurance to the police or anyone else involved in the accident if anyone was injured or property damaged.
  • Never admit blame or liability for an accident or offer to make a payment for any damages caused. Remember to tell your insurer if anyone admits blame.
  • As soon as possible after the accident and no later than 24 hours, you should report the accident by calling 0344 705 8183 even if you do not want to make a claim. This will allow your insurers to protect your and their interests.