What to do if you have an accident in your car

5 minutes

No one wants to be involved in a road accident but, unfortunately, these things happen. What would you do if an accident happened? Here we explain all you need to know.

Our video on what to do if you have a car accident

View video transcript

What to do at the scene of a car accident

We thought it would be helpful to give you some information about what to do at the scene of a accident.

If you've been involved in an accident and you're insured with us, you can find out how to make a car insurance claim.

Imagine you're driving around town and there's a fair bit of traffic on the roads. The lights up ahead change to red but you don't notice. The car in front brakes to stop for the lights and, although you weren't going fast, you end up having a collision. Here's what to do:

  • Pull over if it's safe to do so, stop the car and go and speak to the other driver.
  • Please do not talk about who was to blame or admit liability. Instead exchange names, addresses, telephone and registration numbers with anyone who was involved.
  • Get the details of any pedestrians or witnesses.
  • Let the other person involved in the accident have the name of your car insurance company in case they need to make a claim for any damage to their vehicle that was caused by the crash.
  • Take a note of where and when the accident happened. Include details of weather and traffic conditions, as well as the speed limit and any other roadside warnings in the area.
  • Write down which vehicles were involved: jot down the make, model, registration, colour, condition, (take photos if possible) as well as estimated speed and number of passengers if relevant.
  • Write a description of any damage to vehicles or property that was caused by the accident.When you get home, notify your car insurance company straight away so your claim can be quickly and efficiently processed.
  • Lastly, if you have a dashcam fitted and it has recorded the incident, please send us the footage to review. 

If the emergency services need to be involved

This can be an upsetting and shocking experience but you'll need to think clearly and remember to do the following in the event of an emergency:

  • Call an ambulance if someone has been injured at the scene.
  • Call the police if you need them to attend the scene immediately - or report in person to a police station within 24 hours. If anyone was injured in the road traffic accident, you also need to present a copy of your car insurance certificate within seven days.

Even if no one was seriously injured, was anyone hurt? Whiplash claims and compensation are often 'added' after the event. It's best to get the details of everyone involved at the scene of the accident.

What to do if you're hit by an uninsured driver 

Do LV= offer the uninsured driver promise?

We believe that law-abiding insured drivers should not be penalised for the actions of uninsured drivers.

As long as you have comprehensive insurance and the accident was not your fault, you won't lose your no claim discount and we'll cover your excess.

All we ask is that you tell us:

  • The registration of the other vehicle
  • The make, model and colour
  • The driver's name and address