It’s not something we like to think about, but it’s important to know what to do if you’re in a car accident to ensure the wellbeing of yourself and those around you. Following the correct steps of the process also contributes to a smoother insurance claim after the traffic collision.

Immediately following the collision

1. Stop the car

The first and most important thing to do immediately following a collision is to bring the car to a full stop. It is an offence not to, and a serious offence to drive away from the scene. 

Once the vehicle is halted, switch off the engine and turn on your hazard lights to alert other drivers to the accident.

2. Safety checks

When the vehicle is still and your safety hazards are flashing, you should perform safety checks. This includes making sure the vehicle is stable and seeing whether you or your passengers are injured in any way.

Whiplash is a common car accident injury that might leave you with a stiff neck and limited mobility for up to three months. If there is any risk of serious injury, call for an ambulance immediately.

3. Remain calm

Most importantly, remain calm. Focus on breathing to minimise the chance of going into shock, and keep talking to your passengers to ensure that everyone else stays calm too.

Remember, to avoid liability later down the line, don’t admit responsibility for the accident unless you’re sure you’re at fault. 

Gather information at the accident scene

You must gather information at the accident scene to ensure a smooth insurance claims process. 

First and foremost, record the key information of the other vehicle(s) involved. This includes the make, model and colour of the car and the registration number. You should take photos if possible.  

In addition, make a note of the time and date and the weather conditions. You should also record any injuries that occurred and get the contact information of any witnesses present. 

Finally, you must swap contact details and insurance details with the other driver before you leave the scene.

Contact your insurance company

Once you are armed with the essential information, contact your insurance company to make a claim on your policy. Ideally, this should be done at the scene of the accident, or else as soon as possible once you’re in a safe location.

You can make a claim to cover the cost of repair to the other vehicles involved, or someone else’s property if that was damaged in the crash. Your insurance company could also provide some cover for the medical bills of any people who were accidentally harmed. Think ahead to the future and consider GAP insurance for advanced financial protection in the event of a serious collision where your car is written off.  GAP insurance ignores depreciation and pays out the cash value of the car, helping you afford a new vehicle after the crash.