What to do following an accident

At CoverGirl our aim is to offer as much guidance and support as possible to our customers following an accident. Here are some things to try to remember immediately following an accident.

STOP. If you are involved in car accident in which a person or animal has been injured or
vehicle or property has been damaged, then by law you must stop

Easier said than done, but try not to panic. You may feel stressed or upset following an
accident, but it will help if you can remain as calm as possible.

Get the names, addresses and phone numbers of all the people involved in the accident.
Try to get details of any witnesses too

Get insurance company and policy details of all drivers involved

If you have a camera available, take a photo of the accident scene

Sketch the position of the vehicles involved both before and after the accident and note the
speeds, distances, road layout, road signs and any obstructions to your and other road
users' views

If anyone was injured or property was damaged, then by law you must show your Certificate
of Motor Insurance to the police or anyone else involved in the accident

Never admit you were to blame for the accident or offer to make a payment for any damage
caused. Tell us if anyone admits responsibility for the accident

Even if you don’t intend to make a claim on your policy, you should call us as soon as you can
as the other person(s) involved in the accident may wish to make a claim against you.
Click here for more details on how to make a car insurance claim…

*A replacement car can normally be arranged under one of the following conditions: (1) Comprehensive policyholders – a replacement car may be available under the terms of your insurance policy. Please check your policy details for more information. (2) Non fault accident – where we have the name, car registration number and insurance details of the person who caused the accident, we can supply a replacement car. This is done on a credit hire basis which means the costs for this service will be passed onto the insurance company of the person who caused the accident. We may not be able to arrange a replacement car where we are unable to get an admission of liability from their insurance company, or where the driver is untraceable or uninsured. (3) Repair garage – if your car is booked in for repairs following an accident, the repair garage may be able to provide a replacement car (subject to availability).