Let me be blunt. Most drivers have no idea what to do after a crash until it happens to them. Then they panic. They say the wrong thing. They sign something they should not. And weeks later, they get a bill for £5,000 they never expected.
This guide is not fluffy advice. It is what you actually need to know. The legal deadlines. The credit hire trap. What to say to your insurer. And what not to say to anyone else.
Get a free claim assessment from a specialist accident management company or keep reading. I promise this will save you stress and money.
The First 60 Seconds: Safety First
Stop. That is the law. You must stop.
Switch on your hazard lights. Check for injuries to you, your passengers, and anyone else. If someone is hurt, call 999 immediately. Do not move an injured person unless they are in immediate danger.
If the cars are drivable and nobody is hurt, move them out of traffic. Standing on a busy road arguing about who is at fault is how second accidents happen.
Who to Call (And When)
| Situation | Who to Call |
| Someone is injured, road blocked, or danger present | 999 (immediately) |
| No injuries, but other driver refuses to give details | 101 (within 24 hours) |
| Minor bump, details exchanged, no injuries | No police needed but still tell your insurer |
Here is the rule most drivers get wrong. If you did not exchange details at the scene, you MUST report the accident to the police within 24 hours. Failure to do so is a criminal offence. Fines, points, even a driving ban. Do not risk it.
Exchange Details | But Do Not Apologise
You are required by law to give:
- Your full name and address
- Vehicle registration number
- Insurance details
Do not say “sorry.” Do not say “my fault.” Even a casual “sorry mate” can be used against you. Exchange details. Shut up. Let insurers decide fault later.
If the other driver refuses to give their details, note their registration number and call the police.
Hit-and-Run? Here Is What to Do
If the other driver drives off, do not panic.
Note down anything you can. Registration number. Car make and colour. Direction they drove off. Any distinguishing features (scratches, stickers, damaged bumper).
Report to the police within 24 hours. Get a crime reference number. You will need it.
Then contact the Motor Insurers’ Bureau (MIB). They exist specifically for hit-and-run and uninsured driver cases. You can still claim compensation. Time limit? 3 years. But notify them within 14 days if the driver is untraced.
The Credit Hire Trap
After a crash, someone might offer you a “free” replacement car. Sounds great, right?
Hold on.
Some of these are credit hire agreements. The hiring company gives you a car. They bill the other driver’s insurer. Daily rates? £150 to £400. That is three to five times what a normal rental costs.
If the other insurer refuses to pay those stupidly high rates, the hire company comes after YOU.
I have seen drivers get bills for £5,000 or £10,000 months after their claim closed. Out of nowhere.
Always ask: “Is this credit hire or a standard courtesy car?” Get the answer in writing. Ask for the daily rate. If it sounds high, refuse it and arrange your own rental.
What to Say to Your Insurer
Call your insurer within 48 hours. Most policies require this, even if you are not making a claim.
Stick to facts only.
- “I was involved in an accident at [time] on [date] at [location].”
- “The other car registration is [number].”
- “I have exchanged details with the other driver.”
Do NOT say:
- “It was my fault.”
- “I think I was speeding.”
- “Sorry.”
Let them decide liability based on evidence. Not your opinion.
Ask these questions:
- “Will this affect my no-claims bonus?”
- “Do I have courtesy car cover?”
- “What is my excess?”
Get a reference number for the incident. Keep it safe.
Courtesy Car? Read the Restrictions First
If your insurer offers a courtesy car, check the small print.
| Restriction | What It Means |
| No commercial use | Taxi drivers, delivery drivers cannot work |
| Mileage limit (often 100-150 miles per day) | Long commutes not covered |
| Approved repairer only | You cannot choose your own garage |
| Age restrictions | Under 25 may not qualify |
If you are self-employed or drive for work, a standard courtesy car is useless. Ask about alternatives before you accept.
What If You Were Partially at Fault?
Accidents are rarely 100% one person’s fault.
Here is the good news. You can still claim. Your compensation just gets reduced.
| Your Share of Blame | What You Lose | Example (£10,000 claim) |
| 0% (not your fault) | 0% | £10,000 |
| 10% your fault | 10% off | £9,000 |
| 25% your fault | 25% off | £7,500 |
| 50% your fault | 50% off | £5,000 |
Do not argue fault at the scene. Exchange details. Let the evidence decide.
Time Limits You Cannot Afford to Miss
| What | Time Limit |
| Report to police (if details not exchanged) | 24 hours |
| Tell your insurer | 48 hours (check your policy) |
| Personal injury claim (England & Wales) | 3 years from accident |
| Vehicle damage only claim | 6 years |
| MIB claim (uninsured or hit-and-run) | 3 years (notify within 14 days if driver untraced) |
Missing these deadlines can lose your right to claim. Forever. Do not risk it.
Evidence That Saves Your Case
You do not need to be a detective. Just do these three things.
- Take photos – Damage to both cars, number plates, road layout, skid marks, weather conditions.
- Get witness details – Names and phone numbers. Witnesses are gold.
- Write it down – Time, date, location, what happened. Do it while it is fresh.
Even if you are too shaken to do it yourself, ask someone at the scene to help.
One More Thing: Get Checked by a Doctor
Whiplash does not always hurt immediately. A concussion can take hours to show symptoms.
Visit your GP or A&E. Even if you feel fine. Medical records become evidence if you need to claim later. And you might have an injury you do not feel yet.
Wrapping It Up
Accidents are stressful. But knowing what to do in the first 24 hours changes everything.
Do not apologise. Do not admit fault. Report to the police within 24 hours if needed. Tell your insurer within 48 hours. Watch out for credit hire traps. Get a medical check. Keep evidence. Know your time limits.
Contact a trusted accident management company today for a free claim assessment and protect your rights before it is too late.