Safe and responsible driving reduces the risk of an accident, but it is none the less important to know what you should do in the event of an accident occurring. Hastings Direct has put together some information to help you understand accident etiquette.
Whether it's you or another driver that's at fault for the accident, it's important to be aware of what details need to be exchanged in order to make a claim.
Your primary concern immediately following an accident should be the safety of everyone involved. Assessing injuries and contacting the appropriate emergency services should always be priority.
Whether the accident is major or minor, you are required by law to exchange contact details with those involved. This includes name, address, contact number and vehicle registration number.
Depending on the scale of the accident, you may also wish to exchange insurance details and make a note of the damage to each vehicle. If accident is serious and police are in attendance then they will produce a full accident report.
It is important to report a claim to your insurance company as soon as possible and no later than 48 hours after the accident occurred. The sooner you report it, the quicker your claim can be settled and your vehicle repaired.
The main priority is to settle the claim and repair the vehicle. If you were not at fault for the accident then your insurance company will try to retrieve the costs from those responsible. If that proves successful then your no claims discount will not be affected.
If you are at fault for the accident then your insurance provider will attempt to make contact with the third party in order to help settle their claim. It is important that you notify your provider of any correspondence you receive from other parties involved so that they can handle the response.