Understanding your insurance responsibilities after a car crash is essential to ensure you stay legally compliant, avoid penalties, and get the financial support you’re entitled to. Whether the accident was your fault or not, here’s what you need to know about handling car insurance responsibilities in the UK.
1. Stop and Exchange Information
By law, you must stop at the scene of a crash if you’re involved, regardless of fault. You should exchange your name, address, and insurance details with the other driver(s). If someone is injured or property is damaged, and details can’t be exchanged on the spot, you must report the incident to the police within 24 hours.
2. Notify Your Insurance Company
Even if the accident was minor or not your fault, you should inform your insurer as soon as possible—ideally within 24 hours. Failure to report an accident could result in a rejected claim or invalidated policy, especially if the other party later files a claim against you.
3. Know What You’re Covered For
Review your policy to understand what your coverage includes. A fully comprehensive policy typically covers damage to your vehicle, third-party vehicles, and property. A third-party only policy, however, will only cover damage or injury caused to others, not your own vehicle.
4. Pay Your Excess (if claiming)
If you file a claim through your insurer (even if you’re not at fault), you may need to pay the agreed excess. If the insurer later recovers the cost from the other party’s insurer, you might get your excess back.
5. Decide Whether to Claim or Settle Privately
In cases of minor damage with no injuries, you might agree to settle the matter privately without involving insurers. Be cautious—if the other driver later changes their mind or discovers more damage, you could still be liable. Always get written confirmation of any private settlement.
6. Fault vs. Non-Fault Claims
A fault claim means your insurer paid out (even if you weren’t personally to blame), which can affect your no-claims discount. A non-fault claim means another party was deemed responsible, and their insurer covered the costs. Your insurer will determine this based on evidence and third-party cooperation.
7. Provide Accurate Information
Give a truthful and detailed account of what happened, including photos, dashcam footage, or witness statements if available. Misrepresenting the facts can lead to your claim being denied and even legal consequences.
In Summary
After a car crash, your key responsibilities include stopping at the scene, exchanging information, reporting to your insurer, and understanding your policy coverage. Acting promptly and honestly protects your rights and helps ensure a smoother claims process.
