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What to do when you have an accident

Being in a car accident is probably the last thing you want when you’re on the roads, but the reality is they can happen anywhere and anytime.


A car crash can be a stressful and alarming experience, regardless of how serious the issue is or whether you’re at fault or a victim.

Therefore, it’s important to be prepared and know what you need to do should you find yourself in such an event.

1. Stop driving

As soon as an accident occurs, make sure both you and the other driver pull over. Depending on where you are, you’ll have to use your intuition and decide where you’ll both stop your vehicles. Once you have pulled over, make sure you use your indicator or hazard lights so you can warn other drivers.

2. Assess the scene

If it’s safe to do so, get out of your car and assess the damage and check to see if anyone is injured and if so, call an ambulance. If the accident is serious or the other driver did not stop or is refusing to cooperate, contact the police. You should stay at the scene until the police or ambulance arrive.

3. Exchange details

You should swap details from the other party involved in the crash. Take down their name, address, phone number, driver’s licence number, vehicle model and colour, licence plate number and insurance details. You should also record the time, date and exact location of the crash, record details of witnesses, and take photos with your phone.

4. Contact your insurer

If you have car insurance, contact your insurer as soon as you can. They will talk you through the next steps and inform you of your options, depending on the extent of the issue and the type of insurance you have.

5. Stay calm

Throughout the whole process, do your best to remain calm and avoid getting angry or aggressive with the other driver.

At Mortgage Choice, we offer comprehensive car insurance so you can drive with confidence, knowing you’re financially protected in the event of an accident. Make an appointment to speak to our brokers today about how they can help you arrange motor insurance.

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