No one expects to be involved in a car accident. But it can happen in the blink of an eye – whether it's your fault or someone else's.
Be prepared for the worst by keeping our accident checklist below ready in the car or bookmarked on your phone.
If you already have AA Car Insurance, you can jump to our Accident Assist guide for help.
The car accident
- Stop the car as soon as possible – it's an offence not to do so.
- Turn off the engine.
- Switch the hazard lights on.
- Check for any injuries to yourself or your passengers.
- If it's a minor collision and there are no injuries, make a note of it just in case the other people later try to claim for an injury.
- Call the police and an ambulance immediately if anyone is hurt or if the road is blocked.
- Try to remain as calm as possible – its normal to be shaken after an accident. Take a few deep breaths and try to take stock of the situation the best you can. And don't lose your temper.
- Don't apologise or admit responsibility for the accident until you're completely aware of what happened – this can protect you from liability if it wasn't your fault.
- If the other driver or drivers leave the scene without giving details.
- If you think the other driver has no insurance or is under the influence of drink or drugs.
- If you suspect that the other driver caused the collision deliberately.
Tell the police about the accident within 24 hours – if you don't you may be given a fine, points on your licence, or a disqualification from driving.
- Share your name and address with everyone involved if the accident caused damage or injury – the law says you must do this.
- Swap insurance information and details with the other driver(s).
- Take down the details of any other passengers and witnesses to the accident.
- Try to find out if the other driver is the registered owner of the vehicle. If they're not, find out who the owner is and get that information too – for instance it might be a company car.
- If a foreign lorry is involved, it's a good idea to get the name of the company if its painted on the vehicle.
- The make, model, colour, and number plate of the vehicles involved in the accident, or take pictures of them.
- The time and date of the crash.
- The driving conditions, including the weather, lighting, and road quality (such as road markings, whether its wet or muddy, repair of the road surface).
- What sort of damage was caused to the vehicles and where – the nearside is the left side of your car, the offside is the driver's side.
- Any injuries to drivers, passengers, or pedestrians.
- Use your phone to take pictures of the scene, the positions of the cars involved, and damage to the cars.
If no one else is involved in the accident, for example you caused damage to private property or a parked car, you should leave your details – for instance a note where the owner can see it.
And honesty pays. If a witness or CCTV camera saw you and noted your car number but you drove off, you could be in serious trouble.
Making a claim
Phone your insurance company as soon as possible – ideally at the time of the accident. They'll ask for:
- Your policy number or information to identify you, such as your post code and car registration number.
- The registration number of the cars involved.
- The driver's name, address and phone number.
- The driver's insurance details if you have them.
If you have AA Car Insurance, go to our Accident Assist guide for the next step.
What if I don't claim?
Still tell your insurer about the accident, because the other driver may try to make a claim without you knowing. You may choose not to claim:
- To keep your no claims discount intact, if you don't have a 'protected no claims discount'.
- If you decide to pay for the repairs yourself.
Crash-for-cash claimants
These are people who arrange accidents in order to make a fraudulent insurance claim.
They may do this by braking unexpectedly, causing you to go into the back of their car, or by flashing their lights to indicate you're free to go before purposely crashing into you.
They may also take out their brake light bulbs, giving you no warning when they hit the brakes in front of you, and making it more likely you'll crash into them.
Crash-for-cash claimants will usually blame you for the accident and give you their insurance information, which is sometimes written out ready on a bit of paper.
A few weeks after this happens, you may receive a letter from your insurance company highlighting the damage to the third party. The claims they make can be exaggerated (sometimes including recovery vehicle, car hire, or whiplash injuries to others that haven't occurred) to maximise the money they try to win back.
You'll be less likely to be involved in such a scam if you:
- Take especial care in stop-start traffic, at junctions and roundabouts.
- Always leave plenty of space between you and the car in front.
- Watch for erratic driving behaviour such as slowing for no reason.
- Increase your distance if someone's brake lights aren't working .
A dash-cam can help to show your innocence in a crash-for-cash claim.
Safety technology
Cars fitted with certain types of safety technology will usually have a lower insurance group than a similar car not so equipped, which can attract a lower premium.
Many cars already come with audible and visual warning sensors when maneuvering in tight spaces.
You can check with your insurance company to see if they'll offer additional discount for such equipment. Explore below a few more safety tech features:
- Autonomous emergency braking (AEB) has been mandatory for new vehicles in the EU since May 2022, and this likely applies to the UK too. The brakes are automatically applied if sensors on the car detect that you're going to have a crash, helping to either stop or decrease the severity of the accident.
- Adaptive cruise control – the car automatically reduces its set speed if the traffic ahead is travelling more slowly than you.
- Dashboard cameras – these record the traffic ahead (and, optionally, behind), which can help prevent crash-for-cash claimants from making fraudulent insurance claims, or provide evidence of what happened when you have to make a claim.
- Lane departure warning system – sensors or cameras pick up your cars position on the road and warn you if you're swaying out of your lane.
- eCall SOS – this is a system that automatically calls emergency services if the airbags are activated in the event of a crash. It's a legal requirement for new cars from April 2018, and may be fitted by manufacturers to older models.
Author: The AA. Published 30 August 2016. Updated 11 December 2024