After a collision, do not start by deciding who is to blame. Your priorities are to protect people, prevent a second accident and preserve reliable information.
1. Make the scene safe
Stop safely, switch off the engine when appropriate and check for injuries. Call the emergency services when anyone is injured or the road remains dangerous. 112 works across the EU.
Do not put yourself at risk to take photographs or place warning equipment. National road-safety rules differ, so follow local instructions.
2. Record the scene before vehicles move
If it is safe, take wide photographs showing vehicle positions, lanes, signs, signals, road markings and visible debris. Then photograph the damage, number plates and relevant documents.
If vehicles can be moved safely and local rules allow it, clearing a dangerous carriageway may be more important than preserving their exact position.
3. Exchange factual information
Record the drivers' names and contact details, vehicle registrations, insurers and policy details where available. Note the exact place, date and time and collect independent witness details.
The European Accident Statement can help organise the facts. Fill in boxes carefully, keep the sketch simple and use the remarks section for factual disagreements. Signing the form is not the same as admitting legal liability.
4. If the other driver refuses or leaves
A joint form is useful but not essential to report a claim. Keep the registration number, photographs, witness details and a chronological description. In a hit-and-run situation, contact the police where appropriate rather than creating a new danger by following the vehicle.
5. Check towing before agreeing
Ask where the vehicle will be taken, who instructed the tow truck, what your assistance cover pays and whether storage or long-distance transport could generate extra charges. Keep invoices and intervention documents.
6. Report the accident promptly
Notification deadlines and claims procedures vary by country and policy. Contact your insurer as soon as practical and send the statement, photographs, witness details and any requested documents. Before substantial repairs, check whether inspection or prior approval is required.
Quick checklist
- Make people and the scene safe
- Call 112 if needed
- Photograph the overall scene and damage
- Exchange driver, vehicle and insurance details
- Record witnesses
- Complete an accident statement factually
- Check towing destination and costs
- Notify the insurer promptly
- Keep copies of every document
Further reading
Your Europe — road accidents abroad. Procedures, deadlines and compensation rules depend on the country and the policy. Euro Assura provides information and does not currently offer insurance purchase.