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If you are unfortunate enough to be involved in a accident try not to panic. You must by law stop. If someone has been injured in the accident you must inform the police within 4 hours.
It is always a good idea to inform the police if you have been in an accident however minor, they will make a note of the incident and this could be useful if you come to make a claim.
Never lose your temper or admit liability even if you suspect you might be at fault. You should try not to move the vehicles involved until someone independent of the accident has noted their position (Unless you are causing a major obstruction).
Exchange details with the parties involved in the accident including names, addresses and insurance details. Always try to get the names and addresses of any witnesses if they will help. This could be crucial to proving who was at fault.
Ensure you take down the registration numbers of the vehicles involved in the incident in case they have provided you with false details.
Make a record of exactly what happened and contact your insurance company as soon as possible to let them know what's happened.
Type of cover
Third Party insurance only covers your passengers for injury. You will have to pay for any damage to your vehicle unless you can prove another part is at fault (This can be difficult). Comprehensive cover will cover your car and passengers however, your injury cover is only likely to be worth up to £5,000.
Check with your insurer and if you need more cover look into getting a personal injury plan which many insurers provide and that cover for a respectable figure at a reasonable price.
Valuables and personal effects
Cover for these items is normally limited to £100-£250 a claim. If you need more cover look into getting all risk cover on your house insurance.
