What to Do If You're in a Road Accident

08/05/2025 09:05 Share

What to Do If You're in a Road Accident

It’s a situation we all hope to avoid, but road accidents can happen to even the most careful drivers. When they do, being prepared can help you manage the aftermath calmly and effectively.

Follow these three key stages if you’re involved in a road traffic collision:

1. Safety Actions

The first priority is your safety and that of others involved.

- Stop the car and turn off the engine. It’s a legal requirement to remain at the scene.

- Switch on your hazard lights to alert other road users to the accident.

- Check for injuries. If anyone is seriously hurt, call an ambulance immediately.

- Only call the police if the other driver leaves the scene without giving details, if you suspect the other driver is under the influence of drugs or alcohol, if the other driver has no insurance, or if you suspect the other driver caused the accident intentionally.

- Stay calm. Emotions can run high, especially if the accident wasn’t your fault, but keeping a level head will help everyone involved.

- If safe to do so, exit the vehicle to assess the situation from outside.

2. Admin Actions

Once it’s safe, gather as much information as possible. This can be vital for insurance claims and any potential legal proceedings.

- Take photographs of the scene, including vehicle damage, injuries, road conditions, and positions of the vehicles.

- Record details: time, date, location, driving conditions, and any suspicious or contributing factors.

- Exchange information with all involved drivers: names, contact details, car registration numbers, and insurance information.

- Collect witness details if there are any, names and contact numbers can be helpful later.

- Avoid admitting fault or apologising, even if you believe you may be responsible as this can affect future claims.

- Contact your recovery service if your vehicle is too damaged to drive.

3. Call Vertu Accident Assist

Once everyone is safe and the necessary details have been collected, call Vertu Motors Accident Assist on 0330 017 7756. Our team can take the stress out of the process by:

- Arranging a repair estimate at one of our approved body centres (which helps maintain your vehicle’s warranty).

- Liaising directly with your insurance company, so you don’t have to.

- Providing a courtesy car if the accident was not your fault.

- Ensuring top-quality workmanship and customer service throughout the repair process.

Remember: You have the legal right to choose your own repair workshop even if your insurer suggests otherwise. Insurance companies may recommend cheaper, non-approved locations to save money, which could affect the quality of the repair and potentially invalidate your warranty. Always opt for an approved centre that protects your vehicle and your investment.

Also, be aware: if your vehicle is written off, insurers typically only pay the market value, which may not cover the original price you paid or any outstanding finance.

Find out more about Vertu Accident Assist