QUICK ANSWER
Treat “non-fault” as unconfirmed at the scene: get safe, exchange details, record evidence, report where required and notify your insurer without arguing liability.
If anyone is seriously injured, in immediate danger, or the road is dangerously blocked, call 999 or 112 first.
The first five minutes
- 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.
The next 15 minutes, if safe
Exchange names, addresses, registration and relevant insurance details. Photograph the wider scene before vehicles move where safe, then photograph damage. Ask independent witnesses for contact details and save dashcam footage.
Do not apologise as a substitute for a factual account, accuse the other driver or negotiate a cash settlement at the roadside.
Police reporting
If the required details are not exchanged, report to police as soon as reasonably practicable 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.
Insurer notification
Tell your insurer promptly even if you do not plan to claim through it. Give a factual account, send evidence through the identified secure route and ask how the incident is recorded. Keep the claim or notification reference.
Before choosing repairs, hire or another claim route
Ask who will contract with you, who pays initially, what happens if liability is disputed, which costs could become your responsibility, how long the arrangement lasts and what evidence you must provide. A quick decision should not replace reading the terms.
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.
Sources and scope
This guide is general UK road-accident information, not personal legal, medical or insurance advice.
- 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?
Have the facts ready before you call
Have the date, location, vehicle and insurer details, photographs and any police reference ready if available. A call can help you organise the practical questions to ask next.