Advice and Tips

What to do if involved in a car accident

Advice and Tips // 05 September 2011

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In a previous car with bad credit blog post we talked about the best motoring apps – one of them was Aviva’s app. If you dont hold an Aviva  car insurance policy, here’s a handy check list in case you experience a car accident….

1. Well, first off you need to check that no-one is injured. Cars are replaceable, people aren’t, so take car of yourself and passengers before worrying about bits of metal.

2.If you’re involved in an accident, you will need make a note of as much information as possible and take certain steps to help your insurance company and also ensure that you do not break the law.

3. It’s a good idea to carry a pen and paper in your glove compartment so that in the event of an accident you can take down notes. A disposable camera is handy to take pictures at the scene and dont cost a huge amount of money. Most phones also have cameras, so this is just as good.

4 If a person other than yourself is hurt, or if property or another vehicle has been damaged in the accident you must remain at the scene. Make sure you report the incident to the police within 24 hours, and present your certificate of car insurance within seven days.

5 If an animal has been injured or killed or damage is caused to another vehicle or property then you must stop at the scene and give your details to anyone with good reason to ask for them. Again, the incident also needs reporting to the police within 24 hours. Also, if no person nor animal is hurt, you are still legally obliged to stop at the scene if your car is involved in an accident.

6 You’re actually obliged to do these things not only when you are directly involved in an accident, but also if your vehicle’s ‘presence’ was a factor.

7 It is also important that you report the accident to your insurance company, even if you do not want to claim yourself. It’s a good idea to keep certain documents with you in the car at all times – if you have a bad credit car finance agreement with Moneybarn, I’d recommend keeping a photocopy of your agreement, your insurance certificate (or a copy of), MOT and service documentation and useful numbers like roadside recovery and windscreen repair companies.

8 Your insurer will want to know the time and date of the accident, and whatever details you have of the other driver and passengers involved. Information about the vehicles involved, and information about the weather, visibility and lighting conditions will all help.

9 You should also take a note of the ‘collar number’ and force details of any attending police officers.

10 A full description of what happened, including the estimated speed of the vehicles involved, the type of road and a description of the scene of the accident will also be very useful for your insurer.