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Video guide on what to do if you have a car accident

Watch our video all about what to do in the event of a car accident

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At LV=, we hope you’re never involved in a car accident. But, if the worst should happen, we’ve put together a short video guide to what to do. The most important thing is to make sure you're safe. If others are involved, stay calm and exchange details including:

  • Names and addresses
  • Phone numbers
  • Registration numbers, makes and models - if the other vehicle is a lorry you should take a note of the number on the cab and trailer.
  • Insurers and policy numbers
  • If the other vehicle is foreign also make a note of what country it's from and the 'green card' number - this helps us contact the UK representatives.

Please avoid discussing who was to blame, even if you think it's obvious. It may also help us to sort out the claim sooner if you let us have any:

  • Photographs taken at the scene
  • Details of any CCTV cameras covering the area where it happened
  • Names and addresses of any witnesses
  • Details of the police (if they attended)

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LV= video transcript on what to do if you have an accident

Hello, I'm Victoria. A road traffic incident - whether it's a serious crash or just a bump - can be an upsetting and shocking experience. We thought it would be helpful to give you some information about what to do if you're involved in a car incident.

In the case of a minor collision, pull over when it's safe to do so, stop the car and go and speak to the other driver.

You’ll need to exchange names, addresses and telephone numbers as well as the registration, make and model of the other car. If the other vehicle is a lorry, you should take a note of the number on the cab and the trailer.

If the other vehicle is foreign, make a note of what country it's from and the 'green card' number - this helps us contact the UK representatives.

Swap details of your car insurance companies in case either party needs to make a claim for damage to the vehicle as a result of the collision.

And finally, when you get home, let us know straight away so we can process any claims.

So long as no-one was injured, no traffic offences were committed, no animals were involved and no property was damaged, this is all you have to do to comply with the rules of the Road Traffic Act.

If the incident is more serious, call an ambulance if someone has been injured and call the police too if you need them to attend the scene immediately.

Make sure you give your name and address to anyone directly involved in the incident. It's also helpful to give them your phone and registration numbers and insurance details if you have these to hand.

You should make a note of where and when the incident happened, including details of weather and traffic conditions, as well as the speed limit and any other roadside warnings in the area; which vehicles were involved? Jot down the make, model, registration, colour and condition of any other vehicles, and how many passengers there are in each vehicle, if any;

Who saw what happened? Ask anyone who saw what happened if they'd be happy to act as a witness and if so, take their contact details;

And what was the damage? Make a note of any visible damage to the vehicles or property involved in the incident and, if you have a camera handy, you may want to take a few photos. As before, you'll also need to notify us straightaway so we can process any claims.

One last thing: you might want to know what happens if you have an incident with an uninsured driver. If you have comprehensive cover with us and the incident was not your fault, you won't lose your No Claim Discount and we'll cover your excess.

All we need you to tell us is the registration number of the other vehicle, the make, model and colour and the driver's name and address.

And we'll take care of everything else.


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