But you do still need to tell them that you have been in an accident and you should supply this information in a letter, telling your insurer what happened, but making it crystal clear that this is for ‘information only’ and that you don’t wish to make a claim.
This is because its helps to cover the fact that the other driver may claim against you, even if there was no personal injury involved. Whether or not you feel that you have no responsibility for the accident , if someone thinks that you are, they have the right to request your insurance details - and not always at the scene of the accident.
Your insurance policy will have a clause in it stating that it is compulsory to report any accidents to your insurance company within a reasonable time, even if you don’t want to claim yourself - and that reasonable time will actually be stated too! Failure to comply may result in you failing to get insurance in the future from your current insurer and maybe others too.
What to do at the scene of the accident
Whether or not the accident is your fault, it is important to get a detailed description of what happened along with as much information as possible - and this means collecting as much information - photographs and notes - as you possibly can while at the scene. Make use of the camera available on phones, and as difficult as it may be:
- Scene - Make a note of the date and time, the address and location of the accident, what both the weather and traffic conditions were like, and take pictures of any road markings, road signs and traffic signals.
- Vehicles - Note down the make, model, registration number, colour, and condition of all vehicles involved. Make sure that you write down details of the estimated speeds at the time, the direction the vehicles were going in, the number of people involved (including passengers) , and whether any lights were on and/or indicators used.
- People - Collect the contact details of other drivers involved as well as passengers, pedestrians and witnesses. It may be an idea to note down a description of the other driver(s) including any distinguishing features as well as the details of any police officers involved.
- Damage - Make sure you collect and photograph any damage to vehicles and property as well as any injuries to people involved