Whether it’s a minor bump or a more serious collision, being involved in a car accident is a stressful experience. Knowing what to do in the moments after can make a big difference—not just for safety, but also when it comes to making a successful insurance claim. Here’s a practical guide for drivers in Ireland.

1. Stop and Stay Calm

No matter how minor the accident may seem, you are legally required to stop. Turn on your hazard lights and make sure everyone is safe. If anyone is injured or if there’s a danger to other road users, call 112 or 999 immediately for emergency services.

2. Ensure Safety at the Scene

  • Move vehicles out of traffic if it’s safe to do so.

  • Place a warning triangle on the road if you have one.

  • Stay a safe distance from the road and oncoming traffic.

3. Exchange Information

By law, you must exchange the following details with the other driver(s) involved:

✅ Name, address, and phone number
✅ Vehicle registration number
✅ Name of their insurer and policy number (if available)
✅ Driver’s licence number (optional but helpful)

If there are any independent witnesses, get their contact details too—they can be vital if there’s a dispute later.

4. Do Not Admit Fault at the Scene

Even if you believe you may be at fault, do not admit liability at the scene. Simply exchange the required details. Liability will be assessed later by insurers based on all evidence.

5. Take Photos and Notes

Use your phone to record the scene as clearly as possible:

Photos to take:

  • Vehicle damage (all sides)

  • Position of vehicles on the road

  • Road signs or markings

  • Skid marks or debris

  • Any visible injuries

  • The other car’s tax and insurance discs

Notes to make:

  • Date and time of the accident

  • Exact location

  • Weather and road conditions

  • Any unusual behaviour by the other driver

6. Report to Gardaí (If Necessary)

Call the Gardaí immediately if:

  • Someone is injured

  • The other party refuses to give details

  • You suspect drink/drug driving

  • There is serious damage or a dispute

Even if the Gardaí don’t attend the scene, you may be required to report the incident at a Garda station within 24 hours, especially if there’s significant damage or injury.

7. Notify Your Insurance Broker or Insurer

As soon as possible after the accident, contact your insurance broker or insurance company and provide them with the information you gathered. They will guide you on the next steps regarding claims, repairs, and potential liability.

Tip: Your broker can be a real asset here—helping you deal with the paperwork, negotiating with insurers, and explaining your cover clearly.

8. Hit and Run? Try to Record Everything

If the other driver flees the scene:

  • Try to note their registration number and a description of the vehicle.

  • Report it to the Gardaí immediately.

  • If possible, look for CCTV cameras nearby that may have recorded the incident.

Final Advice

Being involved in an accident is never easy, but following these steps will help you protect yourself, your passengers, and your insurance position. Always carry a pen and notepad, keep your insurance and tax details accessible, and consider storing a basic accident checklist in your glove box.

And remember—your broker is here to help. If you’re ever in doubt about what to do after an accident or how your policy works, don’t hesitate to reach out.