Staying composed at the scene is essential if you're to report the accident properly and get all of the information you need.
First things first: if you're involved in a car crash put your hazard lights on and get out of the car once it's safe to do so. Whatever you do, don't leave the scene of the accident.
The most important thing to do is make sure everybody involved - drivers and passengers - are alright. If anyone is badly hurt ring 999 immediately.
Once you've checked everyone involved, you need to get as much information as you can while at the scene; driving off is far worse than staying to face the music, and can be classed as a hit-and-run.
Do not admit fault or say anything that implies you're responsible because this could make things more difficult later on.
Bumps and scrapes in a car park are often dealt with privately, and even some road accidents don't need to be reported. However, you're legally bound to notify the police of every accident where:
someone is injured
there is damage to someone's property
a driver directly involved failed to stop or exchange details
If you can't drive away from the scene or someone's hurt, the crash is serious enough to call the police there and then.
You should also call the police if your cars are stuck in a dangerous spot on the road (such as a blind bend) or if the accident is obstructing traffic.
On the other hand if both cars can be driven away from the scene, no one's injured and drivers have exchanged details, you don't need to call the police immediately - you can do so later.
Even if the accident isn't major enough to need reporting at the scene, you still have 24 hours to file a report in person at a police station. This gives you some leeway if damage turns out to be more significant than first thought.
Despite the law, drivers sometimes agree not to report an accident if the damage is very minor. At the very least, note down their number plate in case they give you false contact details.
If you intend to make an insurance claim then ALWAYS report it. You'll need the report number to file your claim.
It's vital that you get the details of all drivers that were actively involved in the crash, plus anyone whose vehicle might have been a factor. Remember that this applies to you every bit as much as it applies to other drivers.
Drivers cannot legally withhold personal details if someone is injured, if a vehicle or property is damaged, or if an animal is killed / injured. Not handing over details is classed as failure to stop.
In all cases you should ask for:
Vehicle registration number
Name and address of the driver
Name and address of the vehicle owner (if different)
If someone was injured you can also request to see the driver's certificate of insurance. You have 7 days to produce the certificate if it's requested of you.
You should also try to get the names and badge numbers of any attending police officers.
If you are injured or in shock then you may not be able to collect all of the information you need, but it's definitely worthwhile getting as much as you can.
Try to write down an account of what happened as soon as possible. If you don't have a pen and paper, maybe your phone has a voice recording app? Try to include details such as:
the time and date
your exact memory of what happened
who was using headlights and/or indicating
the weather, visibility and road conditions
injuries to anyone involved
the damage to each vehicle
the make, model and colour of all other cars involved
If you have a camera or smartphone, it can be helpful to take some photos of the accident scene. Alternatively, produce a quick sketch of the scene.
If your car can be fixed by the side of the road you'll still have to get permission from the police before calling your breakdown cover; many but not all providers will attend post-accident for roadside assistance.
Most breakdown services don't offer vehicle recovery in response to an accident. Check your breakdown policy so you know where you stand before an accident even happens.
If the police organise your vehicle's recovery, or request that you use a certain company, you may be able to claim back the cost from your car insurance, otherwise you'll need to find a local recovery company or a garage if you need a tow.
If you were in a company car or driving within the course of your employment, inform the company of the crash. Ask what your next steps should be, as they may wish to arrange recover and contact the insurer internally.
The next step is informing your insurance provider. You'll need to do this within their stated time period even if you don't want to claim: not doing so can invalidate your policy.
Don't say anything that could be construed as an admission of liability. You should answer your insurer's questions honestly but try to wait until submitting an official, written statement before telling your side of the story.
If the other driver doesn't stop or have insurance (check with the askMID) then this is what you need to do:
Tell the police if anyone is hurt or you're blocking traffic, otherwise report the accident to your local station within 24 hours. Tell them if you've been hit by an uninsured driver, been a victim of a 'hit and run' or suspect fraud.
Check your policy to see if you have uninsured driver protection, find out exactly what it covers and decide whether to claim.
If you have comprehensive cover and won't have to pay anything extra then lodge a claim with your insurer.
If you don't have uninsured driver protection and the cost of repairs is significant then an insurance claim is still likely to be best. However, you may be able to get some of your excess or loss of NCD back from the MIB.
If you have third party cover tell your insurer about the accident, then claim for MIB compensation. They'll investigate and could reimburse you some of the cost minus a £300 'fee'.
The best way to protect yourself is with car insurance that includes uninsured driver protection and NCD protection.
Car insurance is just one of the costs of keeping your car on the road along with tax, petrol and servicing, so cut your insurance costs by comparing the best deals for you.