Insurance company offers surprising advice to anyone in car accident

With motorists returning to commuting and traffic returning to near or even above pre-pandemic levels, the risk of being involved in a traffic accident increases.

Being involved in a traffic accident can be shocking and stressful, even for the most seasoned driver.

Unfortunately, car accidents are relatively common in the UK. In 2019, there were 117,536 accidents reported across the country – all of varying severity, according to figures provided by Swinton Insurance.

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With the increasing complexity and sometimes uncertainty surrounding the use of smart highways, there are concerns that this may inadvertently lead to accidents.

With that in mind, Swinton Insurance has offered advice if you’ve been involved in an accident, not only for your insurance, but also for your safety.

One tip from the insurance company that may surprise some people, especially most Brits, is to avoid saying you’re sorry.

Sam Dawson, Product Manager (Car & Van) at Swinton Insurance, explained, “You should avoid apologizing or saying sorry to the other driver, even if you feel like it.

“There is a process for determining fault, so it is best to let the experts take care of it, even if you are sure you are at fault.

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“Be polite to the other driver, make sure everyone involved is okay, and avoid discussing what happened.”

Insurance specialists have also rounded up other important things drivers should do in the event of an accident.

Stop the car

The very first thing to do after an accident is to stop, even if it is a minor one. Turn on your hazard lights to warn other drivers, if you can. Do not try to exit the freeway. Then get away from danger as quickly as possible.

Call the police

You should also call for medical assistance if someone is injured, whether it is you or any other driver involved.

Collect insurance details from the other driver

Whether or not a car accident is your fault, you should make sure to exchange the following with the other driver: insurance details, registration numbers, names and addresses.

It is also worth noting the names, addresses and tapes of all witnesses, the contact details of the police officers present at the scene, and finally the date, time and weather conditions when the accident occurred.

Incident number

If the police are involved, you will need to provide your insurer with a police incident number, so be sure to write it down.

Photograph the scene

If it is safe to do so, take photos of the crash scene. Thoroughly photograph all vehicles involved, as well as any traces left on the road or damage caused to lampposts, bollards or central median. It can also be useful to take pictures of the weather or bad road conditions.

Inform your insurer

Most insurers require you to report any accidents, even if you don’t intend to make a claim, so be sure to let your provider know as soon as possible.

Your insurer will ask you for all the details of the accident, including the information you have gathered from the other people involved. Depending on the type of insurance you have, your insurer may also be able to rearrange your trip or even a courtesy car.

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Justin D. O'Neill

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