Not stopping at the scene of an accident or failing to even report one can result in a significant fine as well as a potential prison sentence and disqualification. Therefore, it is paramount you know exactly what do when you have been in a collision.
Things you need to think about when in a collision
There are so many different scenarios that can happen and sometimes we are not quite prepared for what is about to happen. Here we go through a step by step guide to help you out if you ever find yourself in a collision. Sometimes no matter the size of the accident, it will mean adrenaline starts pumping which can sometimes rile people up. So you should always stay as calm as possible.
First things first, you are going to want to check you are okay as well as your passengers. If you believe any of you to be injured and in need of medical attention get in touch with NHS Ambulance service by ringing 999.
However minor you believe the accident to be you must stop. By failing to stop your vehicle you are causing an offence under the Road Traffic Act 1988.
When should I let the authorities know?
Collisions are time sensitive and require you to let the police know within 24 hours, if this is not completed then you could receive penalty points on your licence a fine and potential disqualification.
If someone involved leaves the scene of an accident before you can speak to them, note down their registration number and contact the police straight away.
Who do I give and take information from?
When in a collision with another vehicle if both cars are damaged you are going to want to note down a few things. Firstly, you will need to exchange insurance and registration information. It is vital you get the right information so when it comes to making a claim the process is much quicker. You are also obliged to provide each person in the collision with your name and address. We also recommend checking to see if the driver of the vehicle is the owner of the car.
If you are in a collision with a foreign vehicle you should note down the number plates and the trailer type if it is a lorry. If you have been in a crash with a company vehicle note down what company it belongs to so if needs be the insurance company will be able to contact them.
You should always have your car insurance information written down somewhere whether you have it all stored in your phone or in your car, make sure you have all relevant paperwork along with your driving licence.
You should never take the blame unless you know it was your fault. Do not say sorry if you are unsure of what happened as this can later go against you even if it was not you who caused the incident.
What additional information should I know down?
As well as the registration of each vehicle you should make a note of the colour, make and model of the car, lorry or van. The time and date of the incident, a description of the weather conditions along with road quality. Finally, a list of any damage that may have occurred to your vehicle, any injuries incurred by yourself, passengers and any pedestrians. It is also a good idea to take pictures if you can. All of this information can help you when it comes to making a claim against the other driver or help you in proving the incident was not your fault.
Car Insurance claim
You will want to inform your insurance company of the accident, and if your car is damaged, you will want to make a claim. You will want to make your car insurance policyholder aware of the incident at your earlier convenience. If you do not let them know within a set time stated on your policy, you could potentially make the policy void.
Dealing with insurance companies can be difficult to deal with at the best of times, but you will need to provide them with enough information and within the given time frame for them to be able to do their jobs effectively. If it is safe to do so, it usually is best to contact your insurance company at the scene of the accident.
Should I consider getting a dash cam?
Many people now have dash cams installed into their vehicles, so if they are ever caught in a collision, they have proof of exactly what happened. A picture is worth a thousand words, therefore, in an incident video evidence is much more valuable. In most insurance claims it can take months for them to settle especially when there is no evidence to prove who was in the wrong. With a dash camera, you are able to provide an accurate account of what happened in an accident. However, you do need to remember that this can sometimes not be in your favour if you provide your car insurance company with dash camera footage, they could come back and tell you, you were in the wrong. If you would like more information on dash camera’s why not take a read of our article on Why your vehicle should have a dash camera system.
How can I prepare myself
You can never prepare yourself for the actual collisions, but there are a few things you need to have to help yourself out. Make sure you always have your driving licence and insurance information in the vehicle. This will allow you to provide anyone with information easily and quickly. Dash cams are also a great feature to have in your car; they provide physical evidence which will help you out. Don’t be afraid to call the police, at the end of the day they are there to help you out, especially if you find yourself in a tricky situation.
If you have small dents that are not worth claiming for, so you can always have your vehicle fixed by car body repairs in Milton Keynes. Sometimes it is not always worth going through your insurance company and in some cases can end up costing you more.
We hope this article prepares you!