What to do after a car accident: IAM Advice

It's something that every motorist dreads. The thought of soaring premiums and a hefty excess are enough to give even the most hardened a chill, but would you know what to do if you had an accident?

As part of the IAM's helpful guide to motoring, Chief Examiner and former Traffic Officer Peter Rodger has penned some tips to ensure you do the right thing after an accident:

1. If you have the option, stop where it is safe.
2. Turn the engine off and put your hazard lights on (if appropriate).
3. Keep yourself safe and check others are too.
4. If you need the emergency services, call 999.
5. Stay calm. You must swap some details with the other driver(s). Unless that isn't possible due to injury or because they drive off. If you don't, you must report the accident to the police within 24 hours.
6. Give your name, address, and registration number and the name and address of the owner of the vehicle. You should get these details from the other driver(s).
7. If someone is injured, ensure you exchange insurance details.
8. Report the incident to your insurance company as soon as you can.
9. Get any witness contact details and take photos of the scene and vehicle damage.
10. Note carefully how many people are in the other vehicle.

Peter said: "The reality is nobody wants to think about having a car accident. It's important to be prepared in case you are involved in one. Knowing what you must do and taking simple precautions can make things easier afterwards."