The accident wasn't your fault — but the next few steps matter enormously. Follow this guide to protect your rights, preserve your claim and get a free replacement vehicle as quickly as possible.
You are legally required to stop after any road accident in England and Wales. Switch on your hazard lights, move to the side of the road if safe to do so, and turn off your engine. If anyone is injured, call 999 immediately.
You must exchange the following with the other driver: full name, address, phone number, vehicle registration number, and insurance details. If they refuse or leave the scene, note the registration and report it to the police within 24 hours.
Use your phone to photograph: both vehicles from all angles, all visible damage, the road layout and any skid marks, traffic signs, road conditions, weather, and any CCTV cameras nearby. Get witness names and numbers if possible.
Even a simple "sorry" at the scene can be interpreted as an admission of liability and used against you. Remain calm and polite but do not speculate about fault, make admissions, or accept any blame — even if you feel partly responsible.
You must notify your own insurer that an accident occurred — this is a policy requirement. However, you do not have to make a claim through your own insurance. Instead, Road Claim manages your claim directly against the at-fault driver's insurer, meaning no excess, no premium increase, no impact on your no-claims bonus.
If the accident was not your fault, you are legally entitled to a free like-for-like replacement vehicle at no cost. Road Claim arranges this within 24 hours through our partner network. Do not accept a basic courtesy car from the at-fault insurer without checking you're getting a like-for-like vehicle.
Fill in our 2-minute claim form. A specialist calls you within 1 hour (Mon–Sat, 8am–8pm) to take full accident details and kick off your claim. You'll also receive a £75 sign-up bonus on eligible claim registration. The service is completely free — all costs are recovered from the at-fault insurer.
Many drivers unknowingly damage their claim by: accepting the first settlement offer from the at-fault insurer (usually below what you're entitled to); using their own insurance when they don't need to; failing to get a like-for-like replacement vehicle; or missing the 3-year claim window. Road Claim protects you from all of these.
Get specific guidance for your vehicle type after a non-fault accident.
Takes 2 minutes. We call within 1 hour. £75 sign-up bonus. Zero cost.