What to do in a road traffic accident

Finding yourself involved in a traffic accident can be a stressful experience. But it's crucial to remain calm and focus on the safety of everyone involved. Here’s some guidance on how to handle this situation.

1. Take a moment to collect yourself and breathe. If possible, move to a safe location behind a crash barrier or near a tree. Your safety is of utmost importance
2. Take a seat and gather your thoughts. By remaining composed, you can make more rational decisions

• Dial 999 if:
  • Anyone involved is injured or needs immediate medical attention
  • The accident is blocking traffic or poses a danger to others
• Don’t call 999 if:
  • Everyone is safe, and the vehicles involved aren’t obstructing traffic
  • The vehicles are roadworthy. In this case, move them to a safe location

• If everyone is off the road, safe, and medically okay:
  • Avoid admitting liability
  • Avoid making promises to pay for damages
• If there are injuries or concerns:
  • Call emergency services immediately by dialling 999
  • Stay calm and give the necessary information when asked
• Important information to gather includes:
  • Names of all parties involved
  • Name and phone number of the other driver and their insurer
  • Make, model, and colour of the other driver's car
  • Number plates of all vehicles involved

Take photos of:

• The damage to your own vehicle and any third-party vehicles involved
• The junction or location where the accident occurred, if possible
• Note the well-being of everyone involved and make a list of individuals present. Mention if everyone appears to be okay

If you’re insured through your salary sacrifice scheme please follow the next steps below, if not follow your normal procedure as set out by your insurance provider.

• Call our Driverline on 020 3322 2601. Report the accident and give your name and vehicle details.
  • They’ll find you on the system and our accident management partners, FMG, will look after everything from there.
• Answer all questions and provide as much detail as possible, using the info gathered in the steps above.

FMG, our accident management partner, will get your car repaired. They should send you a link to track your repair and request help. Find out more here.