What to Do After a Minor Car Accident in the UK

Even a low-speed bump can leave you shaky and unsure what to do first. Having a simple sequence in your head makes the moment easier. This guide covers the general steps for a minor collision in the UK; if anyone is seriously hurt or the road is blocked, call 999 straight away.

Stop and make the scene safe

Stop as soon as it is safe, switch off the engine and turn on your hazard lights. If you can move to a safer spot without making things worse, do so. Stay well away from moving traffic, especially on fast roads.

Check everyone involved

Ask the people in both vehicles how they feel. Shock can hide pain, so take any complaint seriously. If someone is injured or you are unsure, call 999.

Exchange details

Drivers involved in a collision are expected to stop and give their details to anyone with a reasonable need for them. Swap:

• names, addresses and phone numbers
• vehicle registration numbers, makes and colours
• insurance details, and the owner’s details if the car isn’t the driver’s

If you can’t exchange details at the scene, the incident needs to be reported to the police as soon as possible. Your insurer or the police can tell you what applies to your situation.

Record what happened

Take photos of the vehicles, their positions, the road and any damage. Note the time, weather and anything that seemed relevant, and ask witnesses for their contact details. Notes made on the day are far easier to rely on than memory later.

Tell your insurer

Most policies ask you to report an accident promptly, even if you don’t intend to claim. Keep a copy of everything you send and receive.

Look after yourself in the following days

Aches can appear a day or two later. Our article on aches and pains after a car accident explains what to watch for, and if your confidence behind the wheel has taken a knock, see getting back behind the wheel.

This is general information, not legal advice. For questions about your own case, speak to your insurer or a qualified adviser.