The Driver’s Guide To Post Accident Rights And Responsibilities

“It’ll never happen to me,” is something more than a few drivers have said to themselves. But unfortunately, accidents do happen, no matter how careful you are. A speeding driver, a moment of inattention, kids arguing in the back of the car distracting you, or an animal dashing out in front are all events that occur on an all too regular basis.

So, while we hope you’re never in an accident, it pays to know what to do should the worst happen.

The Immediate Aftermath

Regardless of who is to blame, you should pull over safely if able, turn off your vehicle and pop your hazard lights on. Check for any injuries and dial 999 if anyone needs medical help. If you can, get passengers out of the vehicle and to safety.

Next, exchange details with any other drivers involved in the accident. Make sure you get their name, address, contact number, registration, vehicle make and model and insurance. While it can be tempting to apologise or admit fault at the roadside, it’s best to remain neutral, take the details and let your insurer or police decide who’s at fault.

Details To Collect After An Accident

As well as obtaining the other driver's details, it’s a good idea to do the following:

• Make a note of the time of the crash and the weather conditions
• Get the names and contact details of any other witnesses
• Take pictures of the vehicles and of the scene
• Keep receipts for taxis or alternative transport if you’re unable to use your car afterwards

Reporting An Accident

If it’s a minor shunt, no one is injured and details have been exchanged, you don’t need to involve the police. There are some instances, though, where you must call them:

• When there’s an injury
• If the road is blocked
• If the other driver fails to stop
• If the other driver refuses to provide details
• If you think the other driver is under the influence of alcohol or drugs, or deliberately caused the accident

You must report an accident to your insurer, and often, they’ll have a clause specifying this is done within 24 hours. If you use a car accident management company, they will handle all details and liaise with insurers as necessary.

Recovery After An Accident

If your car is drivable and you’ve taken all the details you need at the scene, you’re free to drive home. If it’s not roadworthy, your insurer or your car accident management company will arrange for the car to be collected and taken to an accident repair centre.

At Fault Accidents

Fault will usually be determined by either the police or the insurance companies. If you were at fault, your insurer will cover the costs to repair your vehicle as well as those of the other party. You will have to pay your excess, and you may lose any no-claims bonus you have, though if you go through EvolveArc we may be able to waive a percentage of your excess. If the other driver was injured, they may sue for compensation, which your insurer will have to pay if successful. Your future insurance premiums will also likely increase.

No-Fault Car Accidents

If the accident wasn’t your fault, the other party’s insurer will pay for your repairs and any compensation. You can either speak to your insurer, who will handle the claim, or use a car accident management company like EvolveArc – you simply make a single phone call and then we handle the rest, liaising with insurers, organising repairs and arranging a courtesy car for the duration.

Accidents aren’t pleasant for anyone, but remember, we’re here to help. Whether you’re dealing with the immediate post-crash situation or you’re wondering what to do next, contact our expert team and let them guide you through the process to make it as painless as possible.

​Image source: Canva