What to do if you are involved in a bump or incident

The following information is designed to give you clear guidance on what to do if a collision happens. This isn't something most people think about until it happens and it can feel overwhelming in the moment. While I hope you never need it, this page is to help guide you if you are involved in a bump or incident:

Stop at the scene - it is a legal requirement to stop as soon as it is safe to do so.

Secure your car and switch off the engine.

Switch on your hazard lights.

Check for any injuries to yourself, any passengers and anyone involved.

Exchange details with everyone involved and any witnesses - name, address, phone number, car registration number, insurance details and provide your details if requested.

Gather evidence for your insurance company. Take photos of the vehicles, the scene and any damage. If you have dashcam footage, your insurer may need it. Do not admit fault at the scene - insurance companies will determine liability.

If you're having trouble getting details from someone involved or they have left without giving details, call the police on 101 while you're still at the scene. You must report the collision if you were unable to exchange details at the scene, if anyone was injured, or you suspect the other person may have committed a driving offence. Reports can also be made online.

You don't need to report a collision to the police if you've exchanged details, nobody was injured and there are no allegations of driving offences.

Call 999 if someone is in danger, has been seriously injured, you believe a serious offence has been committed or you can’t move your car and the collision has caused a blockage or dangerous obstruction of the road.

* Please note, the above is general guidance and does not constitute legal advice. Requirements may vary depending on location. For specific advice, please speak to your insurer or a qualified solicitor.