What to do when involved in a road traffic accident
If ever you are unlucky enough to be involved a traffic accident then you will be legally obliged to follow certain procedures. It is important you have a valid Insurance cover to driver any vehicle otherwise you may be charged to court. Your Third Party Insurance covers a third party only. If you have Comprehensive Insurance it covers you and the third party.
If the accident causes damage or injury to any other person, vehicle, animal or property then you must:
- Stop and remain at the scene of the accident for a reasonable amount of time.
If another person is injured you are obliged to produce your car insurance certificate at the scene of the accident to anyone who has reasonable grounds to view it. If you are unable to produce your car insurance certificate at the scene of the accident then you must take it to the police station you reported the accident to within 24 hours.
- Provide your name address and registration details to any person who has reasonable grounds for asking for them. If the vehicle you were driving is is owned by another person then you must provide their details also.
- If these details can't be given at the scene, then you must report the accident at a police station or to a police officer as soon as is practicable possible and within 24 hours.
You must abide by these requirements even if you were not directly involved in the accident. Fail to do so and you will be committing two criminal offenses - failing to stop and failing to report. Sentencing guidelines state that if you are convicted of either you can face a fine or have five penalty points placed on your driving licence and be banned from driving.
In order to have a smooth insurance claim it is vital that you record as much detailed info as is possible. Insurance claims can be tricky, long winded affairs especially if no one takes overall responsibility for the accident. Remember your no claims bonus could be on the line. Take photos of the scene using your mobile phone or camera. If you do not have access to a camera then try and make a sketch of the scene. read more on insurance issues related to road accident