What to Do After a Car Accident in the UK: A Detailed Guide
Being involved in a car accident can be a deeply unsettling experience. Whether it’s a minor scrape or a serious collision, the moments following an incident are often filled with confusion, adrenaline, and uncertainty. Yet research shows that one in five people in the UK admit they wouldn’t know what to do if they were involved in a car accident—a statistic that highlights the urgent need for clear, accessible guidance[^1].
This article provides a comprehensive, step-by-step overview of how to respond to a road traffic accident in the UK, with practical advice to protect your safety, legal rights, and peace of mind.
Step One: Stop Immediately
Under Section 170 of the Road Traffic Act 1988, you are legally required to stop your vehicle if:
- A person is injured
- An animal is injured (including dogs, horses, cattle, sheep, pigs, goats, or donkeys)
- Another vehicle is damaged
- Property is damaged (such as fences, lamp posts, or parked cars)
Failing to stop is a criminal offence and can result in fines, penalty points, disqualification from driving, or imprisonment in serious cases.
Once stopped, switch off your engine and activate your hazard lights. Take a moment to compose yourself before proceeding.
Step Two: Check for Injuries
Your first priority should be to assess whether anyone is injured. This includes yourself, passengers, other drivers, pedestrians, or cyclists.
If anyone is hurt, call 999 immediately and request an ambulance. If the road is blocked or there is a risk of further collisions, ask for police assistance as well.
Even if injuries appear minor, it is important to report them. Symptoms such as whiplash or concussion may not be immediately apparent.
Step Three: Do Not Apologise or Admit Fault
It is natural to want to apologise after an accident, especially if you feel responsible. However, it is crucial that you do not say “sorry” or make any statements that could be interpreted as admitting fault.
Apologising can be used against you later by insurers or in court proceedings. Liability should be determined by professionals based on evidence, not on emotional reactions at the scene.
Instead, remain calm and courteous. Focus on gathering information and ensuring everyone’s safety.
Step Four: Exchange Details
You are legally required to provide your name, address, and vehicle registration number to anyone with reasonable grounds to request it. You should also collect the same information from the other driver(s).
If the other party refuses to provide their details, contact the police.
Additional useful information includes:
- Insurance company name and policy number
- Contact details of any witnesses
- Whether the driver is the registered keeper of the vehicle
- If the vehicle is a company car, note the business name
Make sure to write everything down clearly or use your phone to record the information.
Step Five: Gather Evidence
Collecting evidence at the scene is essential for protecting your position and supporting any future insurance claim.
Take photographs of:
- All vehicles involved, including damage from multiple angles
- Number plates
- The road layout, including signs, junctions, and traffic lights
- Weather conditions and visibility
- Any skid marks, debris, or obstructions
Record the time, date, and location of the accident. If you have a dashcam, save the footage immediately and back it up.
If there are witnesses, ask for their contact details and a brief account of what they saw.
Step Six: Notify the Police (If Required)
You must report the accident to the police within 24 hours if:
- Someone is injured
- The other driver fails to stop or provide their details
- You suspect the other driver is under the influence of alcohol or drugs
- You believe the collision was intentional or part of a scam
For non-emergencies, call 101. For urgent situations, dial 999.
The police may issue a reference number, which can be useful when dealing with insurers.
Step Seven: Contact Your Insurance Provider
Even if you do not intend to make a claim, you must inform your insurer about the accident. Failing to do so could invalidate your policy.
Provide your insurer with:
- A factual account of the incident
- Photographs and witness details
- The police reference number, if applicable
Avoid making statements about fault. Your insurer will assess the evidence and determine liability.
If you are insured with a provider that offers accident assistance services, they may help with vehicle recovery, repairs, and courtesy cars.
Step Eight: Arrange Vehicle Recovery and Repairs
If your vehicle is undriveable, contact your breakdown provider or insurer to arrange recovery. You may be able to choose a garage for repairs, or your insurer may recommend one.
Keep all receipts and records of any costs incurred. These may be reimbursed later, depending on your policy.
If your car is drivable but damaged, take it to a trusted mechanic for inspection. Some damage may not be visible at first glance.
Step Nine: Seek Emotional and Legal Support
Car accidents can have lasting emotional effects. If you experience anxiety, sleep disturbances, or flashbacks, consider speaking to your GP or a mental health professional.
If liability is disputed or you feel your rights are at risk, contact a solicitor who specialises in road traffic accidents. You can also seek free advice from Citizens Advice or your local law centre.
Community organisations may offer support for vulnerable individuals affected by road incidents, including older adults, disabled passengers, or children.
Step Ten: Prepare for the Future
Keeping an emergency kit in your car can help you respond more effectively in future incidents. Consider including:
- A first aid kit
- A torch
- A high-visibility vest
- A warning triangle
- A notepad and pen
- A phone charger
- Insurance and breakdown details
- Emergency contact numbers
Review your insurance policy regularly to ensure it meets your needs. Consider adding legal cover or personal injury protection if not already included.
Summary of Key Actions
- Stop your vehicle safely and legally
- Check for injuries and call emergency services if needed
- Avoid apologising or admitting fault
- Exchange details with all involved parties
- Collect evidence through photos and witness accounts
- Notify the police if required
- Contact your insurer promptly
- Arrange for vehicle recovery and repairs
- Seek emotional and legal support
- Prepare for future emergencies
Accidents are unpredictable, but your response doesn’t have to be. By following these steps, you can protect yourself legally, support others involved, and ensure a smoother recovery process. Whether you’re a driver, passenger, or community advocate, knowing what to do after a car accident empowers you to act with clarity and confidence.
If one in five people wouldn’t know what to do in this situation, then sharing this guide could make a real difference. Consider adapting it for flyers, social media posts, or outreach materials to help others stay informed and prepared.
According to UK road safety surveys and insurance industry reports, approximately 20% of drivers admit they would not know what steps to take following a car accident.
