Unfortunately accidents occur on roads all over the country each and every day; with road traffic accident claims a daily occurrence.
If you’re using the roads you can’t be 100% safe. Even if you are the most careful of drivers you simply can’t legislate for what other road users may do and what could potentially happen. But what you can do is be as prepared as possible.
Clearly you need to have adequate car insurance in place. If you don’t you’ll be breaking the law every time you get behind the wheel. As well as a full and comprehensive insurance policy you also need to be prepared to deal with the aftermath of an accident.
Take a look at our quick guide of what you should always do following a road traffic accident:
- Make sure you always exchange names, addresses, phone numbers, registration numbers and insurance company details of everyone involved
- Identify the driver of the other vehicle as well as whom the owner is. Remember these could be different. It’s vital to understand who insures the vehicle
- Take down a description of each vehicle – details to include are the year, make, model, colour and damage sustained. If you can’t always get all of these details, note down as much as you can paying particular attention to the last point as it could prove very important
- Make a record of the exact location of the collision and how it happened, if you can take photos – it really pays to remember the camera on your phone at this stage
- Remember not to discuss any blame in the immediate aftermath of the accident and never make any admissions as this could cause problems when insurance companies get involved
- If there were any witnesses make sure you take down their names and addresses
- Always inform the police – they don’t attend RTAs where there are no obvious signs of injury, but it’s still worth reporting every incident
- Report the accident to your insurance company as soon as you can
Personal Injury compensation claim
If you have suffered a personal injury following an RTA – the most common being whiplash – you will be able to make a personal injury compensation claim against the driver of the other vehicle (if you were driving and not at fault) or the driver of the vehicle you were in (if you were a passenger and they were at fault). This claim would be made against their insurance company.
Either way the best way to secure compensation is though personal injury solicitors who work on a no win no fee basis. They have the experience of these kinds of claims, and if you don’t win you don’t pay!