Been involved in a road traffic accident or want to understand your options? Explore these frequently asked questions covering what to do after a collision, accident management services, insurance claims and potential costs. Select any question to reveal the answer.
What should I do immediately after a road traffic accident?
Stop as soon as it is safe to do so and check for injuries. If anyone is seriously injured, trapped or in immediate danger, call 999. Follow appropriate roadside safety guidance, particularly on motorways and high-speed roads. When safe, exchange the legally required details and record relevant information about the incident. Avoid putting yourself or others at risk to take photographs or collect evidence.
Do I have to report every accident to the police?
Not every road traffic collision requires a police report. However, legal reporting duties depend on the circumstances, including injuries, damage and whether the required details were exchanged. In Great Britain, where reporting is legally required because details were not provided at the scene, it must be done as soon as reasonably practicable and within 24 hours. Additional requirements apply where someone is injured. Rules may differ in Northern Ireland.
Should I tell my insurer even if I don't want to make a claim?
Most motor insurance policies require accidents or incidents to be reported, even when you do not intend to make a claim. Check your policy's notification requirements and contact your insurer within the applicable timescale. Reporting an accident does not necessarily mean you are submitting a claim.
What does an accident management company do?
Accident management companies may help coordinate vehicle recovery, damage assessments, repairs, replacement transport and certain accident-related arrangements. The services offered vary between providers. Some operate independently of your insurer and may use separate contractual agreements. Before accepting assistance, check exactly what the company provides, how it is paid and whether you could become responsible for any charges.
Is accident management free if the accident wasn't my fault?
Not necessarily. Some providers may seek to recover accident-related costs from another party or their insurer. However, liability may be disputed and not every expense is necessarily recoverable. Certain agreements can leave customers responsible for some charges. Always read the terms carefully and ask the provider to explain potential financial responsibilities before signing.
What is the difference between a courtesy car and a credit hire vehicle?
A courtesy car may be provided under an insurance policy or repair arrangement, subject to eligibility and availability. Credit hire is a separate vehicle hire arrangement under which charges may be pursued from a party considered responsible for the accident. Credit hire agreements can create contractual obligations, and recovery of the charges is not guaranteed. Check the agreement, hire rates, duration and potential liabilities before accepting a vehicle.
Can I choose my own accident repair garage?
You may be able to choose an independent repairer, but your insurance policy may contain conditions relating to approved garages, excesses, guarantees or other arrangements. Discuss your preferred repairer with your insurer before authorising work and check whether any additional charges or restrictions apply.
Who pays for vehicle recovery after an accident?
Responsibility for recovery charges depends on the circumstances, insurance cover and any agreements made. Some policies include accident recovery, while other arrangements may involve separate charges. Before authorising recovery where practical, check the destination, recovery fee, storage costs and who will be responsible for payment.
What happens if my vehicle is written off?
An insurer may classify a vehicle as a total loss when repair is not appropriate or economically viable under the relevant circumstances. The outcome depends on the damage, vehicle value, insurance terms and applicable salvage rules. Your insurer should explain the valuation, settlement process and any excess or outstanding finance considerations.
Will making an accident claim affect my insurance premium?
An accident or claim may influence future insurance premiums, even where you were not considered responsible. Insurers assess risk using various factors, and outcomes differ between providers. Any effect on your no-claims discount depends on your policy, claim circumstances and whether costs are recovered.
Can I use an accident management company instead of my insurer?
You may have different options for arranging accident-related services, depending on the circumstances. However, using an independent accident management provider does not automatically remove your obligation to notify your insurer. Check your insurance terms and understand any separate agreements before deciding how to proceed.
What should I check before signing an accident management agreement?
Check which services are included, whether you are entering a credit hire or repair agreement, the potential charges, cancellation terms, storage fees and what happens if costs cannot be recovered. Ask who will handle disputes or complaints and whether the provider requires regulatory authorisation for its activities. Obtain written explanations of anything you do not understand before agreeing.
Are accident management companies regulated in the UK?
Regulatory requirements depend on the activities undertaken. Certain claims management activities may require authorisation from the Financial Conduct Authority, while reserved legal activities may fall under legal services regulation. Other activities, such as arranging vehicle repairs, do not automatically require the same authorisation. Check the provider's regulatory status and the specific services being offered.
Can I make a personal injury claim following an accident?
Depending on the circumstances, people injured in road traffic accidents may have options for seeking compensation. Eligibility, procedures and time limits depend on the jurisdiction, type of injury and individual circumstances. Motor Bridge does not assess personal injury claims or provide legal advice. Consider seeking guidance from an appropriately authorised legal professional or official claims service.
Where can I find accident management and support services?
Motor Bridge helps UK motorists explore independent accident management and related service providers. Available services, eligibility, charges and terms vary. Check the provider's identity, regulatory status where applicable, and any contractual or financial responsibilities before proceeding. Motor Bridge does not determine fault, manage individual claims or guarantee outcomes.
Important Information
These FAQs provide general information for UK motorists and do not constitute legal advice, insurance advice, claims management services or an assessment of accident liability. Legal requirements and procedures can differ across UK jurisdictions. Accident management providers operate independently and may have different contractual terms, costs and regulatory obligations. Always check relevant insurance conditions, potential liabilities and provider authorisation where applicable. Motor Bridge UK does not guarantee claim outcomes or the suitability of third-party services. Some partner links may be affiliate links, meaning Motor Bridge may receive a commission from qualifying enquiries or purchases at no additional cost to you.
