Being involved in a car crash can be a traumatic experience, especially if you’ve been hurt. Whether it’s a minor fender bender or a more serious accident, it’s important to know the steps you should take immediately after the incident, especially if you’re injured. Here’s a guide to help you navigate the aftermath of a car crash.
1. Ensure Your Safety and the Safety of Others
Your first priority should be safety. If you’re able to, pull over to a safe location, away from traffic, to prevent further accidents. Turn on your hazard lights to alert other drivers.
- Check for injuries: Assess yourself and others involved in the crash. If you or anyone else is injured, it’s crucial to seek medical attention right away.
- Call emergency services: Dial 000 for an ambulance if someone is injured. If there are no injuries but property damage has occurred, you should still contact the police.
2. Call the Police
It’s a legal requirement to report certain types of accidents to the police, especially if:
- There are injuries or fatalities.
- The crash involves property damage, and the other party refuses to exchange details or leaves the scene.
- A driver is under the influence of alcohol or drugs.
When the police arrive, they will assess the situation, write a report, and help with necessary procedures. They may issue a traffic crash report (also known as a police report) that could be important for any insurance claims or legal action later on.
3. Gather Information at the Scene
If you’re physically able to, gather as much information as possible at the scene. This will be crucial for insurance claims and any legal steps you might need to take later on.
- Details of other parties involved: Exchange names, contact information, driver’s licence details, and registration numbers with all other drivers involved in the crash.
- Witnesses: If there are any witnesses, ask for their contact information as they may be able to support your version of events.
- Photographs: Take clear photos of the crash scene, vehicle damage, injuries (if any), and road conditions. This visual evidence can be very useful for your case.
4. Seek Medical Attention
Even if you don’t feel seriously injured, it’s important to see a doctor as soon as possible after a crash. Injuries like whiplash, concussion, or soft tissue damage may not be immediately obvious but can worsen over time.
- Go to the hospital or GP: You should get a medical check-up to document any injuries. If you need treatment, it’s important to keep a record of all medical appointments, as this can support your insurance claim or legal action.
- Follow your doctor’s advice: If you need follow-up care, physiotherapy, or time off work, make sure to adhere to your treatment plan and keep records.
5. Notify Your Insurance Company
Contact your car insurance provider as soon as possible to report the accident. You are required to notify your insurer within a reasonable time frame, typically within 24 to 48 hours after the crash. Failing to notify your insurer promptly could affect your ability to claim.
When reporting the crash:
- Be honest and provide accurate details about the incident.
- Don’t admit fault at the scene, even if you think you might be responsible. The insurance company will investigate and determine liability.
- If you have comprehensive or third-party insurance, your insurer will guide you through the claims process and help repair any damage.
6. Consider Making a Personal Injury Claim
If you’ve been injured in the crash, you might be entitled to compensation for your medical expenses, lost income, pain and suffering, and other costs. You can make a Compulsory Third Party (CTP) claim under the Motor Accidents Injuries Act 2017, which covers anyone injured in a motor vehicle accident, regardless of who was at fault.
- Seek legal advice: Personal injury claims can be complex. It’s highly recommended to consult with a lawyer who specialises in personal injury law to understand your rights and the best course of action.
- Time limits: You must make your CTP claim within 6 months of the accident for medical benefits and within 3 years for lump sum compensation (for things like pain and suffering). It’s important to act quickly to ensure you don’t miss any deadlines.
7. Keep Track of Your Recovery and Expenses
Keep detailed records of all your medical treatments, medications, and any other costs incurred as a result of the crash. This might include:
- Medical bills and treatment receipts
- Lost wages or income if you can’t work
- Travel expenses for medical appointments
- Any other out-of-pocket expenses related to your recovery
These records will help when making your insurance claim or pursuing compensation.
8. Follow Up on Your Claim or Legal Action
If you’re pursuing a personal injury claim or an insurance claim, stay on top of any documents, deadlines, and correspondence related to the case. Be patient, as these processes can take time, but keeping in touch with your lawyer or insurance company ensures you stay informed on the progress.
If the insurance company or other party challenges your claim or offers a settlement that doesn’t cover all your costs, your lawyer may recommend further legal action or a court case.
In summary, being involved in a car crash can be overwhelming, especially when you’re hurt. However, knowing the steps to take immediately after the accident can help you protect your rights and ensure you get the medical attention and compensation you deserve. From ensuring safety at the scene to making an injury claim, the key is to stay organised and act promptly.
If you’re ever uncertain about your next steps, don’t hesitate to seek legal advice to guide you through the process.
