What to do after a car accident
A clear, calm sequence at the scene protects your safety, your claim and your premium.
In the minutes after a crash it is hard to think clearly. Follow this checklist so you do not miss anything that matters later.
At the scene
- Check for injuries and call emergency services if anyone is hurt.
- Get to safety - move vehicles out of traffic if it is safe and legal, and switch on hazards.
- Call police for injuries, major damage, or where required; get the report number.
- Exchange details - names, licence, plate, insurer and policy numbers.
- Document everything - photos of damage, positions, plates, the scene and road conditions.
- Find witnesses - names and contact numbers if anyone saw it.
- Do not admit fault - report facts only.
Afterward
- Report to your insurer promptly, ideally the same day, with your photos and notes.
- Keep records of medical visits, repair estimates and expenses.
- Follow the claim process your insurer sets out and keep copies of everything.
- Consider the cost of claiming for minor damage, sometimes paying out of pocket is cheaper than the premium impact.
Frequently asked questions
What should I do first after a crash?
Ensure safety: check for injuries, call emergency services if anyone is hurt, move to a safe spot if possible, and turn on hazard lights. Safety comes before paperwork.
Should I call the police?
Call the police for any injury, significant damage, or where it is legally required. A police report is valuable evidence for your claim, especially in disputed or hit-and-run cases.
What information do I exchange?
Names, contact details, licence and plate numbers, and insurance company and policy numbers. Photograph everything rather than relying on handwriting.
Should I admit fault at the scene?
No. State the facts to police and your insurer, but do not admit or assign fault at the scene. Fault is determined by the insurers and the evidence.
How soon should I report the claim?
As soon as practical, ideally the same day. Prompt reporting speeds your claim and is required by most policies; delays can complicate or jeopardise coverage.