What to do after an accident that isn’t your fault?

You’ve been involved in an accident that isn’t your fault. You’ve turned the engine off, checked no one is hurt, but what next

  • Take lots of photos
  • Witnesses
  • Record the other person admitting fault
  • Record any injuries
  • Stay-calm
  • We’ve all heard the horror stories, so, we wanted to compile a quick go-to list for what to do next.

    Take lots of photos

    The joy of modern technology means that the majority of us will have a smartphone readily available to take photos with. It doesn’t matter if it feels a little excessive at the time, you’ll be thankful for them later on, take as many photos with as many angles as possible, both of the vehicles involved and the road/any objects involved.

    Witnesses

    Make sure you take the details of anyone who saw the accident. You will need at least their name and phone number but insurance companies would also like it if you get their address. The more witnesses, the better.

    Alternatively, if you are the witness to an accident read our article on what to do if you’re the first to the scene here.

    Record the other person admitting fault

    If the other person admits the accident was their fault, if possible, get them to sign something saying it. Or record them on your phone – if you can’t manage this, get the other person to admit fault in front of a witness. It is important to try to do so as many people deny fault after the adrenaline has settled and it’s time to make your claim.

    Record any injuries

    If you feel anything out-of-the-ordinary, or something that could be worse when the adrenaline wears off, get it checked out. The police can also make a record of the injury if they are present. If the injury causes you to take some time off, it’s imperative to have proof of when it occurred.

    Stay calm

    Even if your pride and joy has been demolished, don’t do anything you may come to regret.

    Once you’re home safe and well and the shock has passed, you will need to make your claim, see our full article on how to do so here.

    What about if the person at fault doesn’t have insurance?

    There are various options available to you in the unfortunate event that the person who hit you is uninsured, from suing them personally to going through the small claims court, read our article on does no insurance policy mean no payout to find out more.

    To avoid any future accidents from occurring read our article on avoiding common accidents here.

    Go back to our insurance guides>