What To Do After a Car Accident – An Insurance Guide

Being involved in a car accident is stressful and often overwhelming. In those first few moments, it is easy to panic and forget what to do. Having a clear plan helps protect both your safety and your insurance claim.

Step 1: Ensure Safety First

• If anyone is injured, call emergency services immediately (ER24 084 124 Or 10177 or 112 from your cell phone).
• If it is safe to do so, move your vehicle out of traffic. Switch on your hazard lights and set up a warning triangle to alert other drivers.

Step 2: Contact Roadside Assistance

Most insurance policies include 24-hour roadside assistance (an optional benefit available). These services can dispatch a tow truck, arrange safe transport, and guide you through the next steps. It is important to use the assistance number and only accept services from the preferred provider.

Week days 08:30 – 16:30:

Contact our claims department on 044 382 0550 or WhatsApp them on 066 121 8892

After hours and weekends:

 Save these numbers on your phone or keep them in your car:

• Hollard Assist: 0860 038 262
• Bryte Assist: 0800 55 66 77
• Santam Helpline: 0860 505 911
• Old Mutual (Swiftcare): 0860 24 7365

Step 3: Never Admit Liability

Even if you believe you were at fault, never admit liability at the scene. The insurer, after assessing all facts and reports, will determine who is responsible. A premature admission could prejudice your cover.

Step 4: Gather Information at the Scene

• Take photos of all vehicles involved, their positions on the road, and any visible damage.
• Record the other driver’s details: name, ID, contact number, vehicle registration, and insurance provider.
• Collect the names and contact details of any witnesses.

Step 5: Report the Accident

• All accidents must be reported to the police within 24 hours. Obtain a case number as your insurer will require it.
• Notify your broker or insurer as soon as possible. Provide the case number, accident details, and any supporting documents or photos.

Step 6: Submit Your Claim

Your broker will guide you through the claim process.

Your claims broker consultant will send you the applicable claims form for completion.

You will be required to submit the following documents along with the claims form:

• Copies of ID and Driver’s License
• Photos of the damages to your vehicle
• police report and case number
• Details of the third party (if applicable)
• Quotes for repairs

Provide all requested information promptly so repairs and settlements are not delayed.

Accidents happen, but how you handle them makes all the difference. Remember: stay calm, ensure safety, gather details, don’t admit liability, and contact roadside assistance. Your insurance team is here to help you through the process.

* This article is provided for informational purposes only and should not be construed as legal or financial advice.