A brief guide for motorists: Vehicle accident? Not your fault?

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Be aware after an accident…

Few people have more than one accident every seven years which means that most people are unaware of how to manage the post-accident process with the least inconvenience.

If you are involved in a motor accident that wasn't your fault, why should you be inconvenienced?

A credit hire company’s services are based on the following legal position: that the party not-at-fault in an accident is entitled to be put back in the position they were in prior to the event.

Your rights…

Following an accident for which you were not to blame, you have the right to: 

  • replacement transport
  • have your vehicle repaired to its pre-accident condition
  • claim compensation for any loss in the value of your vehicle arising from the accident damage
  • make a claim for personal injury to recompense you for pain and suffering arising from any personal injury sustained by you.

At the scene of the accident:

  1. If anyone has suffered any injury at the scene of the accident or if there is a risk of fire from leaking petrol or any suspicion that the other driver may be intoxicated through drink or drugs then call the emergency services without delay.
  2. Unless there is real injury or risk to the safety of other motorists arising from the accident it is unlikely that the emergency services will attend at an incident.
  3. You should obtain as many of the following details from the other drivers of any other vehicles involved in your collision:
    • Name, address and phone number of the other driver(s)
    • Vehicle registration number, make and model of the vehicles involved
    • Exact damage and the location of the damage
    • Insurance company and policy number of the other driver(s)
    • Name, address and phone number of any witnesses
    • A plan of the accident scene and, if you have a camera with a phone, some photographs
  4. In the event that there was any injury arising from the accident, damage to any street furniture or if either you, or the other driver, did not stop after the accident or did not provide their name, address, vehicle registration number and insurance details, then you should report the accident to the local police. You will have to do this in person and if they do not wish to take details from you, you should ask for a self-reporting accident form so that you can comply with your legal responsibility.

You should bear in mind that, in bringing any claim for compensation, you are under a common law duty to mitigate, which means that you are expected to keep resultant losses and expenses to a reasonable amount.

As soon as possible after your involvement in an accident you may want to call a member of The Credit Hire Organisation.

Gather as much information as you can to hand relating to the accident and the details of the third party.

You will need details of the third party vehicle registration, make and model, the insurance company and the insurance policy number together with your details and the name and address of any witnesses.

The CHO member will usually be able to establish who was to blame for the accident in a matter of minutes, based on the description you provide.

If you are not at fault for the accident then they can move quickly to assist you with a replacement vehicle and other important services.