Car accidents are often stressful and disorienting. Whether it’s a minor bump or a major collision, knowing what to do immediately afterwards can significantly impact your safety, legal rights, and potential compensation. This guide outlines key legal steps to take under UK law.
Step 1: Check for Injuries and Call Emergency Services
Safety comes first. If anyone is injured, dial 999 or 112 for emergency services. Even for minor injuries, it’s essential to seek medical attention. Some conditions, such as whiplash, may not show symptoms right away. A medical record is also vital for any future insurance claim or legal action.
Step 2: Secure the Scene and Exchange Details
Once safe:
-
Move vehicles to a safe spot if possible
-
Switch on hazard lights
-
Exchange information with the other driver(s), including:
-
Full name and contact number
-
Address
-
Vehicle registration number
-
Insurance details (insurer name and policy number)
-
Make and model of the vehicle
-
Avoid admitting liability at the scene. This is for insurers and legal professionals to determine.
Step 3: Record the Incident
Use your phone to take clear photos of:
-
Vehicle damage
-
Road layout and markings
-
Traffic signs or lights
-
Weather conditions
-
Any visible injuries
Also note down the time, location, and circumstances of the accident. If there are any witnesses, request their names and contact information.
Step 4: Notify Your Insurer
Inform your car insurance provider as soon as possible — ideally the same day. Be honest and factual without speculating. Failure to report the accident promptly can affect your cover or claim validity.
Step 5: Speak to a Road Traffic Accident Solicitor
Even if the incident appears minor, a legal expert can help you:
-
Determine liability under UK road laws
-
Deal with insurance companies on your behalf
-
Secure compensation for injuries, vehicle damage, and loss of earnings
-
File a personal injury claim where appropriate
If you were not at fault, a solicitor can help ensure you receive the full amount you’re entitled to.
Bonus Tips: What Not to Do
-
Don’t leave the scene. It’s a criminal offence under the Road Traffic Act 1988.
-
Don’t discuss the incident on social media. It can be used as evidence against you.
-
Don’t sign anything without legal guidance.
Final Thoughts
Accidents happen, but being prepared with the right steps can protect your health and legal standing. Keep this checklist accessible and, when in doubt, consult with a qualified UK solicitor to ensure your best interests are fully protected.