What should you do after a minor car accident in the UK?
The short answer
Stop safely, check nobody is hurt, and swap your name, address and vehicle registration with anyone who has reasonable grounds to ask. If you cannot swap details at the scene, you must report the collision to the police as soon as you reasonably can, and within 24 hours. Then photograph the damage and get a repair estimate.
Do I have to stop after a minor collision?
Yes. Rule 286 of the Highway Code says that if you are involved in a collision which causes damage or injury to any other person, vehicle, animal or property, you must stop. Rule 283 adds that you should use your hazard warning lights and switch off your engine.
What details must I give?
You must give your name and address, the vehicle owner's name and address if it is not your car, and the registration number, to anyone with reasonable grounds for asking. If another person is injured and you do not produce your insurance certificate at the scene, rule 287 says you must report the collision to the police as soon as possible, and in any case within 24 hours, then produce the certificate to the police within seven days.
When do I need to tell the police?
If you do not give your name and address at the scene, you must report the collision to the police as soon as reasonably possible, and in any case within 24 hours.
What should I photograph?
Both vehicles, the number plates, the position of the cars, the road and any damage close up. These help your insurer, and they help a body shop give you a quick estimate.
Should I claim on my insurance?
Tell your insurer about the collision as your policy requires. Whether you then claim for your own repair is your decision. For small repairs, compare the repair price with your excess and the effect on your no claims bonus.
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Need it repaired?
Send us photos for an estimate, or call 01332 297221. More on accident repairs in Derby.