What to do if someone hits your car?

To most of us, a car means much more than metal on wheels. It is a place where you are going to spend hours every day or have a long drive. It could mean getting kids to school, eating your lunch in peace, or how you drive around the country. 

Even if your car is simply your daily transport, having someone damage or destroy it can be devastating. Besides relocating it to a safe place and calling the police, here is what to do in case someone hits your car. Car accidents can be stressful experiences, but knowing what steps to take immediately after that can help to protect your rights and also ensure a smooth resolution. Whether it’s a minor fault or a more serious one, here are 5 key steps on the problem “What do I do after a car accident”. : 

1. Stop there

Don’t leave the scene, even if it is only a minor scratch. Section 170 Road Traffic Act States that if you are not involved in an accident that can cause injury to another person or also damage to another vehicle, property, or animal- you must stop or you’ll be committing an offence. Pull over and also stop somewhere safe, and turn off the car’s engine. 

2. Call the Police

If there is any particular damage to your car, or the other doesn’t have insurance, you just need to file a police report. Documentation of the scene in the form of this report is very important for insurance purposes and also helps if you need to take legal action. 

3. Collect information from the driver

When you are involved in a car accident, try to collect information about another driver, including their name, address, contact details, car registration number, and insurance information. If the driver refuses to give this information, lacks insurance, or leaves the scene contact the police immediately. It’s also important to record everything for future reference and potential legal action. Taking photographs of the scene and the vehicles involved can be very helpful and useful. Always remember to stay calm and cooperative during the exchange, ensuring all necessary information is collected accurately to protect your interest.

4. Contact your car insurance company

Immediately contact your car insurance provider, even if you don’t intend to make a claim. Provide them with all the necessary details, including the photos and the contact number of any eyewitnesses. If the damage is minor like small scratches, you might decide not to claim for this, as it could lead to higher premiums in the future. Weigh the cost of repairs against any potential increases in your insurance rates before making any decision. Being proactive and informed can also help you to make the best choices for your situation.

5. Consider Legal Representation

If someone hits your car, it is advisable to contact a lawyer who can guide you through the process and also ensure that your interests are protected. They will be able to advise you on the extent of insurance coverage that you have, and also negotiate with the insurance company for you. They can also guide on legal obligations and help one get a fair settlement.

What to do if someone hits your car while driving?

If someone hits your car while driving, firstly check for injuries and also seek medical help if needed. Move your car to a safe place and if possible try to avoid blocking traffic. Take photos and videos of the damage, road conditions, and vehicles that are involved. Exchange all details with another driver, including name, license plate, and contact information. In the end, file a claim with your insurer or the other driver’s insurance company, providing all the necessary statements and supporting documents.

What happens if it’s my fault?

If you think the crash is your fault, you should not engage in any conversations regarding any responsibility for the crash. If you have RAC Insurance we will coordinate with you.

If someone hits your car, take the right steps for the best outcome of the situation. Ensure all the safety precautions and measures. The guidelines given above will help you provide safeguard to all your rights, speed up the claims, and ensure that you have well been considered for compensation of damages or even injuries that occur from an accident.