You are obliged to follow the following procedures if involved in an road accident:
- Stop and remain at the scene of the accident until the police and emergency services arrive.
- Provide your name, address, and registration details to any person who has reasonable grounds for asking for them. If the car you were driving is the property of another person, then you must provide their details too.
- If these details can’t be given at the scene, then you must report the accident at a police station or to a police officer as soon as is possibly practicable and definitely within 24 hours.
- If another person is injured, you are obliged to produce your car insurance certificate at the scene of the accident to anyone who has reasonable grounds to view it. If you are unable to produce your car insurance certificate at the scene of the accident then you must take it to the police station you reported the accident to within seven days.
You must abide by these requirements even if you are not directly to blame for the accident. Failure to do so and you will be committing two criminal offences – failing to stop and failing to report the accident. If charged in court, you might have to part with a heavy fine or in, some cases; your driving license might be withdrawn.
In order to have a smooth insurance claim, it is vital that you record as much detailed info as is possible. Insurance claims can be tricky, long winded affairs especially if no one takes overall responsibility for the accident. Remember your no claims bonus could be on the line. Take photos of the scene using your mobile phone or camera. If you do not have access to a camera then try and make a sketch of the scene.
It is important that you try and gather as much information as you can. If you’re able to take some photos of the accident then do so. At the very least try and draw a sketch of the accident scene.
You must also obtain:
- The name, address, and telephone number of anyone else involved. If someone not at the scene owns any car then get his or her details also.
- The make, model, and registration number of any car or cars involved.
- Details of the other driver’s insurance policy – insurance company, whether third party or fully comprehensive and the expiry date.
- The contact details of any witnesses.
- Details of the weather and road conditions.
- What the involved cars were doing as the accident happened.