A car accident can be a stressful experience, whether it's a minor bump or a major collision. Understanding how to make a claim for car accident in the UK is essential for getting the support you need and ensuring you're compensated fairly. This guide will walk you through the steps to take after a crash, how to deal with insurers, and what your rights are.

What to Do Immediately After a Car Accident

First, make sure everyone involved is safe. If there are any injuries, call emergency services immediately. For minor accidents, you should still stop and exchange details with the other party. Failing to stop after an accident is a criminal offence under UK law.

You’ll need to collect the following:

• Names and contact details of everyone involved
• Vehicle registration numbers
• Insurance information
• Photos of the scene and damage
• Witness details (if available)

Make sure to report the accident to the police within 24 hours if someone is injured or if you can’t exchange details at the scene.

Informing Your Insurance Company

Whether the accident was your fault or not, you must notify your insurer as soon as possible. Most UK policies require you to report accidents within a specified time, even if you don’t plan to make a claim. Failure to do so could invalidate your policy.

When speaking to your insurer, have your policy number, the details of the accident, and any evidence ready. They will then assess your case and may appoint an assessor to review the damage.

Making a Claim for a Car Accident

You can claim for:

• Vehicle damage or total loss
• Medical expenses
• Loss of earnings
• Personal injury
• Vehicle recovery and hire car costs

If the other driver is at fault and insured, their insurance should cover your losses. If you're claiming through your own comprehensive policy, your insurer will seek to recover the cost from the other driver’s insurer if liability is established.

In some cases, especially if the other driver is uninsured or cannot be traced, you can apply for compensation through the Motor Insurers' Bureau (MIB).

What If the Claim Is Disputed?

Disputes can arise over who was at fault. In such cases, your insurer may negotiate directly with the other party’s insurer. If the case involves injury, you may wish to seek legal advice or use a solicitor who specialises in road traffic accidents.

Avoiding Future Problems

Make sure your MOT and vehicle servicing are up to date, as a lack of roadworthiness can complicate claims. You can easily check your MOT status at CheckMOT.com.