Top 5 mistakes people make after an accident

Big or small, car accidents can be scary. Especially if you’re new to the country.

And when we’re stressed and in shock, our minds don’t quite work the way they’re meant to. So we’re here to tell you what not to do, with 5 things to avoid if you’re ever in an accident. Because sometimes, that’s easier to remember! 
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1. Saying sorry at the scene 

Not always easy, but don’t say sorry! 

It’s a small word. But ‘sorry’ can be used against you later. And it might mean you end up paying for the damage - even if it’s not your fault. 

Leave the talking to us. 

2. Not calling your insurance company

If there is damage or injury to you or someone else, always be the first to call us. Ideally within 24 hours. The sooner the better.

Even if it wasn’t your fault? Yes. Even if you’re not planning to make a claim at all? Yes! 

Many people agree to settle privately at the scene. But people change their minds more often than you think. And if the other driver reports it to their insurer first, the process can take much longer. 

So call us early, give us a head start, and we’ll sort everything out. 

3. Not getting the right information

If you’re in an accident with another driver, we’ll need some of their details to get started on your claim. Even if there’s no immediate damage or injury, it’s always best to ask for the following, in case something comes up later: 

• their full name
• their phone number 
• the name of their car insurance company
• their number plate  

The other driver will probably ask for the same information from you. This is normal.

To make the process easier, go to you Marshmallow app now and download Bump! to your wallet. It makes swapping details a lot simpler. 

Find out more about Bump! here. 

4. Not taking enough photos

The shock of an accident means your brain might not be working rationally. And taking photos may not be at the top of your to-do list. 

However, having these photos can make a world of difference when it comes to making a claim. So even if you can just manage a few, try to get photos of:

• all the cars involved
• any damage
• the road conditions
• the weather

While your phone’s out, make a note of the date and time too. Your claims handler will really appreciate it! 

5. Not looking after your own safety

The most important thing to do after an accident is to make sure that you are okay.

At the scene of the accident, take yourself out of further harm’s way. Pull your car over into a layby, hard shoulder or other safe space if you can. Then switch off the engine and put on your hazard lights. 

Once you’re home, give yourself time to process what’s happened and try not to be too hard on yourself. Talk it out with friends and family. Cry if you feel like it.

Accidents happen to everyone. We’re here to help you however we can. 

Had an accident and need to talk to us? Head over to our claims page, here.