What are the major causes of road accidents?

Most drivers at some point in their lives will find themselves in a road traffic accident. Even non drivers may find themselves in the passenger seat at the time of a collision. The accident could be anything from a small bump to a life threatening crash, but no matter the size there is likely to be an air of panic. Therefore it is important to know what to do if you find yourself in this situation.

Driving under the influence is a criminal offence, and refers to not only having one too many pints; it refers to anything that can impair your senses and judgement. Being under the influence of drugs and/or alcohol can cause slow reaction times and a lack of concentration, hallucinations, dizziness, tremors and more. It doesn\’t matter how much of a careful driver you think you are, or how unaffected you feel, the police will pull you over, and will be able to test and arrest you on the spot for driving under the influence. Sentences include a minimum 12 month driving ban, a fine of up to 5000, and a criminal record. If a death is caused due to driving under the influence, a minimum 14 year prison sentence is to be expected.

When swapping details, it is important to try to determine who was at fault in a calm manner. The person at fault may be obvious and they admit to it straight away, making civil and uncomplicated solution. However, if it appears unclear who was at fault, and no-one owns up to it, it is best for no-one to admit blame and to leave it to the insurance companies to decipher. Admitting blame when it may not be your fault will mean you and your insurance are responsible, and once admitted can be hard to go back on despite facts showing otherwise.

If the driver at fault does not stop, or refuses to give details, it is best to make a note of their registration number and report the incident to the police. It is an offence to drive away from the scene of an accident, and drivers are required to always give their details to the other parties involved. The police can trace the owner of the vehicle through their insurance. You can also contact the DVLA for help with tracing the vehicle in extreme circumstances.

In some extreme cases, it may come about that the parties involved were driving illegally, either without a license or insurance, or the car may be stolen. In such cases it is important to note down whatever information you can about the vehicle and its driver, and consult the police.

Speak to an expert about road accident claims at MoneyBright.