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Stop and remain at the scene of the accident. Follow the advice given in the Highway Code.

Call 999 if emergency services are needed. Keep calm and clearly state the location. Although not all accidents need to be reported, remember that in certain circumstances the Police will need to be called. You must ensure that you fulfil your legal requirements under the provisions of the Road Traffic Act.

Be careful what you say. Do not make any admission of liability. Exchange names, addresses, insurers names and certificate numbers. Do not give or offer any money. For detailed advice refer to the Road Traffic Act, or contact ABERCORN INSURANCE BROKERS LTD.

Draw a sketch of the scene - take photographs if possible. Note everything you can - independent witnesses - vehicle descriptions and registration numbers - location -damage - accident circumstances.

Notify your insurer's 24-hour Claims Helpline of the accident as soon as possible. They will normally direct you to one of their local APPROVED REPAIRERS - a written Estimate is not normally required by your insurer if an APPROVED REPAIRER is used. If your vehicle is unroadworthy (and you have Comprehensive cover) the Helpline will arrange for your damaged vehicle to be uplifted. They will also advise you if they require an Accident Report Form to be completed (some insurers do not require one nowadays - your telephone call to the Helpline can be sufficient). In addition, if your cover is Comprehensive and your vehicle is repairable they will inform you of their entitlement to a Courtesy Car while your own vehicle is being repaired.
If you have purchased a Motor Legal Protection Policy (Legal Expenses Insurance) and the accident was not your fault, staff at Abercorn Insurance Brokers will be pleased to advise you of the appropriate procedures.

With a motor legal protection policy, legal advisers will give you advice, and if possible, take action to recover your uninsured losses (insurance excess, hire car costs, personal injury, damage to personal effects etc. from a negligent third party). If you have been injured, they will appoint a solicitor to help you. If you do not have such a policy ask your ABERCORN INSURANCE BROKERS LTD Adviser for advice.