5 tips on what to do if you’re involved in an incident
Written by Benedict Harrison
Our advice to help you feel prepared, whatever happens when you're out on the road.
When you’re involved in an incident out on the road, we understand that it can be a very difficult time. This is especially true if you use your vehicle for work as well as your personal driving.
Although you might be left feeling like everything is outside of control, there are a number of things you can do to help keep your claims process as smooth and simple as possible. In this post, we’ll cover 5 top tips on what to do and what not to do after you’ve been involved in an incident.
1. Make sure everyone is safe
After an incident has occurred, your top priority should always be making sure that everyone is safe. Try to stay calm and take some deep breaths. Check yourself for any injuries and if you need to contact the emergency services for yourself or anyone else, don’t hesitate to do so.
If you’re able to, make sure you move your vehicle to a safe place. If you are involved in an incident on a motorway, you should try to move to the hard shoulder and stay far back from the crash barrier.
2. Don’t say sorry at the scene
Although your instinct might be to say sorry to anyone else involved in the incident, you shouldn’t apologise or admit that the incident was your fault at the scene. If you say sorry, this may be used against you later on if you make a compensation claim.
A well-meaning apology can actually seem like you are accepting responsibility for the incident occurring. Even if you think that the incident was your fault, you still should not apologise at the scene. Keep it short and try to keep emotions out of it.
3. Take down as many details as you can
However small the incident may seem, you should always collect the following information:
- The circumstances of the incident: what happened?
- The location of the incident: where did it happen?
- The number of people involved in the incident, including any passengers.
You should also collect the following details of anyone else who is involved in the incident:
- Their registration plate
- Their name
- Their contact details
- Their insurance details.
It’s also a good idea to take down the names and contact details of any witnesses. This information will prove to be extremely useful later on when it comes to reporting the claim.
4. Take photos where possible
Any photos you take of the incident and the surrounding area can be extremely important pieces of evidence if you or a third party makes a claim as a result of the incident. They help to give claims handlers an idea of the location of the incident, the road conditions, the weather and many other important details.
Photos are also a great way to preserve evidence. There’s a lot to think about after an incident has occurred, so you may forget some important details without even realising.
5. Notify your insurer and the police quickly
When it comes to reporting any incident to your insurer, no matter how small, the sooner you get in touch the better. If you fail to report an incident quickly, you may accidentally violate the terms of your policy. You can find details of how quickly you need to report an incident in your policy booklet.
Even if you don’t want to make a claim, it’s still important to let your insurer know what has happened.
If you have any questions, or you need any help after you have been involved in an incident, feel free to get in touch with our team by sending an email to [email protected]. If you need to report an incident or make a claim, you can find all the numbers you need in your policy booklet.