What to Do After a Minor Car Accident in the UK

Take a Breath Before You Do Anything

Even a small bump can shake you up. The first instinct might be to jump out, inspect the damage, or start apologising. But take a second. Make sure everyone’s safe and your car isn’t blocking traffic. Switch on your hazard lights and, if it’s dark or visibility’s poor, keep your reflective jacket or warning triangle handy if you’ve got one.

Accidents happen to the best of drivers; that’s why they’re called accidents, after all. Staying calm helps you think clearly and keeps a minor scrape from turning into a major headache.

Check for Injuries and Safety Hazards

Before you look at the cars, check the people. Are you or anyone else hurt, even slightly? If there’s any sign of injury or if the road’s blocked, call 999 straight away. For less urgent cases, dial 101 to report it to the police. Don’t move anyone who’s injured unless there’s immediate danger, such as fire or traffic.

If everything’s safe, move the cars to the side of the road where possible and switch off the engines. You’ll want to prevent further accidents while you sort things out.

Swap the Right Details

Legally, you must give your name, address, and registration number to anyone else involved. If someone’s injured, you’re also required to show your insurance details. It’s smart to take photos of the scene; number plates, road layout, any visible damage; before vehicles are moved. A few quick snaps on your phone can save a lot of arguing later.

If the other driver refuses to give details or drives off, note their registration number and any description of the vehicle or driver. Then report it to the police as soon as you can. The sooner you do, the more likely it’ll be resolved smoothly.

What Not to Say at the Scene

This one’s important: avoid saying “sorry” or “it was my fault” until everything’s properly assessed. It’s not about being rude, it’s about avoiding confusion. Insurance decisions are based on evidence, not instinct, and what seems obvious in the moment may look very different later.

Stick to facts; where it happened, who was involved, what you both saw; and let the insurers decide liability later. That’s what they’re paid for.

Tell Your Insurer (Even If It’s Small)

Even if the bump seems minor and you’d rather pay privately, it’s best to let your insurer know. Most policies require you to report all accidents, even if you don’t make a claim. If the other driver later reports damage or injury, your insurer needs to be aware. A quick phone call can prevent bigger problems down the line.

They’ll ask for details such as the date, time, location, and other drivers’ information. If you’ve got photos or witness contacts, pass them on; they make your case clearer.

Repairing and Recovery

Once everyone’s safe and the paperwork’s done, you can deal with the practical side. Your insurer will usually recommend approved repairers, but you’re free to use your own garage if you prefer. Keep receipts and photos of any work done; they might be useful for future claims or resale value.

If your car’s still driveable, double-check the tyres, lights, and bonnet before setting off again. Sometimes small damage hides bigger problems, so if anything feels off, get it checked before driving far.

Useful UK Resources

Minor accidents can rattle you, but they don’t have to ruin your day. A calm head, a few photos, and proper reporting will see you through it. The rest is just paperwork and patience.

Know someone who’s just had a scrape? Send them this before they call the insurer.