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What to Do After a Car Accident: South African Checklist

Safety first, evidence next, and a clear route for starting an insurance claim without making assumptions about cover.

In brief: After an accident, protect people before property. When it is safe to do so, record the facts, follow any emergency or legal reporting requirements, and notify the relevant insurer or broker promptly. Policy terms and circumstances determine whether a claim can proceed.

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Put safety before administration

Seek emergency assistance where needed. Do not admit liability, agree a settlement or make a statement about fault simply to resolve the immediate situation.

Document what you can

Photograph vehicles, positions, visible damage, the scene and any relevant road conditions when it is safe. Record names, contact details, registration numbers and other factual information.

Report and notify promptly

Follow the insurer’s claims procedure and ask which documents are needed. Do not authorise repairs, dispose of evidence or leave the vehicle unattended in a way that could breach policy conditions without instructions.

A sensible next step

If you are reviewing a quote or existing cover, prepare the schedule and questions for an authorised adviser. Do not submit sensitive information through this first-contact website form.

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Answer library

Common follow-up questions

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Should I admit fault after an accident?

Avoid making admissions or agreeing liability at the scene. Focus on safety, factual information and the required reporting process. The circumstances may need to be assessed by insurers or other parties.

Can I repair my car before reporting a claim?

Policy conditions can require notification and approval before repairs. In an emergency, take reasonable steps to prevent further damage, then seek instructions from the insurer or broker as soon as possible.

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