QUICK ANSWER
Get safe first. Then exchange details, keep evidence, report the accident where required and tell your insurer. You do not need to settle who was at fault at the roadside.
If anyone is seriously injured, in immediate danger, or the road is dangerously blocked, call 999 or 112 first.
Get safe first
- Stop safely and switch on hazards.
- Check yourself, passengers and other people.
- Call 999 or 112 for serious injury or immediate danger.
- Move away from live traffic if it is safe.
- Do not drive a vehicle that may be unsafe.
Once everyone is safe
Exchange names, addresses, number plates and the insurance details needed. Give the owner’s name and address too if the driver does not own the car. When safe, take photos of the whole scene before vehicles move, then of the damage. Ask witnesses for contact details and save dashcam footage.
Keep the conversation factual. Avoid arguing about fault or agreeing a cash settlement at the roadside.
Police reporting
If the required details are not exchanged, report to police as soon as you reasonably can and within 24 hours. Use emergency services for serious danger; otherwise use the local police non-emergency route. Hit-and-run, suspected offences and injury may require additional reporting.
Tell your insurer
Tell your insurer promptly even if you do not plan to claim through it. Explain what happened and ask how to send your evidence safely. Ask how the accident is recorded and keep the reference number.
Before choosing repairs, hire or another claim route
Ask which company you are signing with and who pays first. Check what happens if fault is disputed and what you might owe. Ask how long the service lasts and what evidence you must give. Read the terms before you decide.
If the other driver is uninsured or leaves
Report promptly, keep all identifying information and check the Motor Insurers’ Bureau process. Do not chase a fleeing vehicle or put yourself at risk.
If you are on a motorway
If you can get out safely, use the side away from traffic. Wait well away from the car and road, behind a safety barrier where possible. Check for dangers on the other side of the barrier too.
If you cannot reach a safer place and cannot get out safely, stay in the car. Keep seat belts fastened and hazard lights on. Call 999 and ask for the police. Do not put a warning triangle on a motorway or try to repair the car there.
These steps follow the Highway Code for Great Britain. Follow the emergency services’ instructions for your situation.
Sources and further help
- GOV.UK: if you are in an accident — official duties
- Motor Insurers’ Bureau: making a claim — uninsured and untraced drivers
- NHS: when to call 999 — emergency help
WANT TO DISCUSS WHAT HAPPENED?
Need help after a non-fault accident?
Call to ask about recovery, repairs or a replacement car. Have the details you know ready. Ask who will help, what you must sign and what you might have to pay.