What to do after a car accident

Being in a car accident is stressful, but staying calm and following the right steps can protect your safety and insurance claim. Here’s what to do immediately after an accident.

Step 1: Safety first

• Move to a safe location if possible.
• Check for injuries and call emergency services (112 or 10111) if needed.

Step 2: Swap information

• Get the other driver’s:
  • Full name & contact details
  • Insurance company & policy number
  • Vehicle make, model, and license plate
• Avoid admitting fault—let insurers and authorities determine liability.

Step 3: Document the scene

• Take clear photos of:
  • Vehicle damage (all angles)
  • Accident scene (road conditions, traffic signs, skid marks)
  • Injuries (if any)
• If there are witnesses, collect their contact details.

Step 4: Report the accident

• For accidents with injuries, fatalities, or significant damage, report to police within 24 hours and get a case number.

Step 5: Notify your insurer

• Contact your insurer ASAP—even if the damage seems minor.
• Provide all gathered information (photos, police report, witness statements).

Step 6: Follow insurer instructions

• Your insurer will guide you on assessment and repairs.
• Do not authorize repairs without their approval.

Bonus tip:

Keep an emergency kit in your car with a pen, paper, and your insurer’s contact details for quick access.

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