What to do if you are in a road accident
At a glance
Quick answer: Stay calm, get medical help, and record every detail.
Key rights: You have a right to emergency care and to pursue compensation from the at fault driver.
Deadlines: Tell your insurer within 24 to 48 hours and keep records for claims.
Step by step
1. Get everyone to safety
If it is safe, move vehicles off the road to avoid another crash. Turn on hazard lights. Keep people away from leaking fuel, broken glass, or live traffic. Call FRSC on 122 or the local emergency line.
2. Call for medical help
Even small cuts and aches matter. Ask for an ambulance if anyone is badly hurt. Visit a doctor as soon as possible and keep all medical notes, prescriptions and receipts.
3. Report the accident
Notify the nearest police station or FRSC outpost. If anyone is injured, do not leave the scene until the officer says you can. Ask for a police or FRSC reference number or incident slip.
4. Gather evidence
Photograph the scene from multiple angles: vehicle positions, license plates, road signs, skid marks, traffic lights, and visible injuries. Record short video clips that show the full scene. Exchange names, phone numbers, and insurance details with other drivers.
5. Inform your insurer quickly
Most policies require prompt notice. Send the police or FRSC report number, photos, repair estimates, and medical bills. Keep copies of every document and every message you send.
Evidence and documents
Multiple angles, time and location if possible.
Get the incident or reference number.
Reports, prescriptions, hospital receipts.
Towing, garage estimates, parts receipts.
Names and phone numbers with short statements.
Common mistakes to avoid
- Admitting fault at the scene.
- Leaving before the police or FRSC record the incident.
- Signing insurance or settlement papers without checking the details.
If it escalates
Get legal help if the other driver denies fault, if they flee, if the insurer delays or rejects a valid claim, or if injuries are serious.
FAQs
Do I need a police report if no one was hurt?
Yes. Insurers usually require a police or FRSC report for repairs and claims, even if damage is minor.
Who pays hospital bills?
Each person pays first, then seeks reimbursement from their insurer or the at fault party. Keep all medical documents to support claims.
Can I claim for emotional distress?
Yes. You need medical evidence showing trauma. Keep mental health records and speak with a clinician for documentation.
- Call emergency services if needed: FRSC 122.
- Take photos and videos now.
- Get a police or FRSC incident number.
- Notify your insurer within 24 to 48 hours.
- Keep every receipt and medical note.