It’s never a good thought to have but you had your first crash in the UK. It’s not too bad of an accident but what steps do you have to go through now? What process are you about to go through? Let us walk you through what to expect and what to do.
Stop and Call
No matter what happened in the car accident, you must stop the car. Make sure that your car engine is turned off and your hazard lights are on. Not stopping is an offence under the Road Traffic Act.
After stopping, look around and make sure everyone is okay. If there is someone injured, call the police on 999. If no one is badly hurt, call the police on 101 instead. The police should always be called if you feel like there is foul play involved or if the other driver crashed into you and drove off.
Failure to report your accident to the police within 24 hours may result in a fine, penalty points or even removal of your license.
Give and Collect Details
With everyone involved in the accident, give your name and address. Even if you hit something that is off the road, you should stop and leave your details (e.g. parked car). Even though you are giving details, never admit that the accident was your fault as UK road law is complicated and it may be that it wasn't actually your fault. If you admit fault, that could count against you later on.
When collecting details, take photos of the scene around you. Take photos of your car and the other people’s cars as well. Write down details of the weather, the time, injuries and a sketch of the positioning of the cars. All these details will help you later.
Make sure that you collect names and addresses of everyone involved in the accident. This includes any eyewitnesses because they may help later. Ask all other drivers for their insurer and if they are the registered keeper of the car they are driving. If they are not, make sure you note down their names and addresses. If anyone leaves the scene in their car without giving details, make sure you call 999 straightaway.
Contact Your Insurance
After everything has calmed down, immediately call your insurance to inform them about your crash. If your insurance happens to be Marshmallow, their claim service line is open 24/7! If you do not contact any insurance in a certain amount of time, it could invalidate your cover. That will leave you with a big bill to pay for yourself.
If you were in an accident with another vehicle, contact your insurance and provide them with the other person’s name, their address and contact details, their registration number, and their car insurance details. Also, provide your insurance with any eyewitnesses who want to support your claim. The more details you provide, the better chance you have at not being at fault.
If you want to continue with your claim, your insurance will give you more details on what you need to do.
Get a quote for your car insurance with Marshmallow!