Car accidents can leave even the steadiest of drivers shaken.
Whether it's a minor scrape or a major collision, the aftermath can range from mildly inconvenient to life-altering.
Understanding the proper steps to take immediately after an accident is vital.
Whether you are a veteran driver or a newcomer to the roads of South Africa, allow Pineapple’s guide to equip you with the essential knowledge and strategies to handle any vehicular mishap confidently.
Because when it comes to collisions, your immediate response can make a world of difference.
Disclaimer: The information provided below should be considered as a suggested guideline and not as definitive advice for every situation. Each incident is unique, and circumstances can vary widely. It's important to recognise that in many cases, individuals involved in an incident may be too injured or otherwise unable to perform some of the actions outlined below. Always prioritise safety and health and seek professional assistance as needed.
There’s no undoing what’s already happened. Instead, focus on the things that are firmly in your control, starting with your safety and those involved in the accident. If you're able, it's best to get emergency and medical experts on the scene ASAP.
Remember that trying to help or move people without proper training can sometimes cause more harm than good. For example, if there is a neck or back injury, it needs to be handled with absolute care to prevent permanent serious damage.
If you must provide immediate assistance and no barrier is available (surgical gloves), use the least amount of contact necessary. You can, instead, apply direct pressure to a bleeding wound using a clean piece of clothing from the injured person.
Even minor accidents can cause injuries like pain in your neck and shoulders, headaches, muscle aches, or sprains that aren't immediately apparent. If you're hurt, seek medical attention or ask someone else to call. But, if you're not too hurt to move, check on the passengers in your car or the other driver(s) involved in the crash. It’s crucial not to move an injured person or administer first aid assistance unless you are qualified to do so.
Additionally, if a commuter or pedestrian is injured or property is damaged, South African road law mandates that you stay at the accident scene until the police arrive.
Don’t be ‘that guy’—a hit-and-run is not only uncool, it’s a criminal offence. Immediately stop the car and move it to a safe location if it’s disturbing traffic flow.
Afterwards, secure the scene by placing a warning triangle on the road or flashing your car's hazard lights. This alerts other motorists of the danger ahead and informs them to proceed cautiously. These warnings are critical if the accident occurs around a blind curve, over a hill, or in any location where visibility is compromised.
If you can’t move the car, or if moving it might cause further damage or risk, then leave it where it is, get to safety, and turn on those hazard lights.
Ensure that you document the scene either by capturing it on your smartphone or marking the road with chalk or spray paint (if, for some bizarre reason, you keep either of those things on you). However, ensure that it’s safe to do so first!
Take detailed pictures of the accident scene before moving any vehicles. You’ll need to capture the positions of the involved cars, damages on both vehicles, road conditions, any skid marks and traffic signs. These photographs serve as valuable evidence for insurance claims and legal matters, should they arise.
Otherwise, you can sketch the scene, recording all the above details.
It’s good to document everything at the exact moment should your recollection of the incident be fuzzy at a later stage.
If there are people who saw what happened, their accounts can be valuable. Their unbiased recollections can ensure the incident is fairly assessed and resolved.
Witness statements are pivotal, especially when accident details are unclear or disputed. That’s why it’s essential to approach them politely and ask if they would be willing to provide their contact details (names, phone numbers, email addresses, etc.). Assure them you will use their information only for accident-related purposes, insurance claims, or legal proceedings.
For Pineapple clients, dial our emergency number (087 365 8626) for round-the-clock roadside assistance.
Reporting the incident to the police isn’t just the right thing to do; it’s a legal requirement. It’ll also assist you in getting a case number for your records and car insurance claims. If the police cannot come to the accident scene, you can go to the nearest police station and complete a report. It’s essential to file a report at the nearest police station within 24 hours of the crash, as your memory and details will still remain fresh.
SAPS (South African Police Services): 10111, or contact your nearest police station.
Ambulance: 10177, call in the case of a medical emergency or in conjunction with both the fire and police departments, depending on whether or not there are casualties.
*Some private health insurance providers also have their own medical emergency numbers (Netcare’s is 082 9111, while ER24 is available at 084 124).
You can call 112 from any mobile phone in South Africa to be routed through to your network provider’s emergency call centre. The operator then puts you through to the relevant emergency service (e.g., police, ambulance, fire, traffic police, sea rescue).
After regrouping and calming your nerves with the previous steps, you're ready to exchange details with the other driver. A cool head makes this part smoother.
Before either of you leave the scene, ensure you have the following information:
*Make sure you call the cell phone number immediately to ensure it’s correct. Plus, it’s vital to return the favour, so ensure you reciprocate by providing the other party with the same information.
Additionally, you might want to ring up a relative, friend or someone else you trust–irst prize is to get someone to the accident scene if possible. It is important because it is easy to get bullied or taken advantage of in a shocked state, and things can happen or proceed without your knowledge or consent. So it is always good to have someone in your corner who is awake, alert, and knows what's going on, especially if this is your first accident.
All this information is critical for potential legal proceedings and insurance claims, so do your best to ensure accuracy.
The first thing is to ensure everyone’s safe and unharmed. After that, it’s time to swap details. During this exchange, it's vital to stay calm and courteous throughout, speaking politely and trying to cooperate. High-stress situations like car accidents can very quickly become heated. Thus, keeping a level head helps prevent an argument or conflict from escalating. Remember, this exchange of information is necessary and not the time to assign blame or discuss the accident's specifics.
Speaking of the accident’s specifics… don’t. While exchanging contact and insurance information is essential, it's equally important to be mindful of the conversation’s content. What we mean by that is to avoid discussing the details of the accident or admitting fault; this can sometimes lead to misunderstandings or disputes later on. Speak one wrong word, and you might find the accident's blame assigned to you, misinterpreted or used in a claim or legal case.
Keep the conversation brief and to the point, discussing only the essential info, like the insurance and police reports.
Don’t waste your time and energy trying to establish who was at fault or risk tempers flaring and coming to blows with the other party—leave that to the professionals. The responding police officers will complete an accident report and document the scene.
If, instead, you have to report the incident to the police station, do so at one in the area closest to the accident scene.
For example, if you’re based in Illovo but the accident took place in Midrand, do not report it in Illovo. Instead, report it in Midrand.
This is because police officers from a location outside of the incident area don’t have the legal authority or jurisdiction to operate beyond their designated location. Reporting the incident in the correct jurisdiction ensures that the appropriate authorities can handle the matter effectively and in compliance with the law.
It's your responsibility to provide law enforcement with accurate and detailed information about the accident, including the time, location, description of what happened, and any other relevant details. If you have any evidence, like photos from the scene or witness details, share these with the officers.
The accuracy of this report can significantly impact the outcome of insurance claims or potential legal action. Remember, a police report is an official and legal document, so provide truthful and precise information.
It’s important to note that no insurance claim of this nature will proceed without a valid, stamped and signed police report and case number. So, come prepared with the necessary documents.
The next step is to obtain a case number. This number is a unique identifier for your incident and the reference linking to the specific details in the police database. The case number ensures all parties refer to the same incident and helps streamline the post-accident processes.
A case number also allows your insurance provider to easily access the police report and verify the details of your claim. Keep this number safe, and include it in all your correspondence regarding the crash, whether with your insurance company, legal counsel, or other related parties.
After addressing immediate safety concerns and legal obligations, your next vital step is to inform your insurance about the incident. Getting in touch with Pineapple for our clients is as simple as sending a message on our WhatsApp line at 060 012 3771 or logging into your Pineapple account on our app.
Time is of the essence, and swift notification is key.
Most insurers require you to report an accident within a specific timeframe for them to consider your claim. Delaying can complicate the claims process or, worse, lead to a flat-out denial of your claim!
When contacting your insurance provider, have your policy number ready and a concise summary of the accident, including:
Also, report any vehicle damage and share the other parties' names, contact details, and insurance information.
The more details you can provide, the smoother the initial phase of the claims process will be.
Each insurance provider has its own set of procedures to follow during the claims process, and it's essential to navigate them honestly and efficiently.
Typically, the claims process will involve gathering and submitting various documents and evidence related to the accident. This evidence provides an accurate and honest account of the incident and helps your insurer assess the claim accurately.
The evidence-collection process ensures transparency and fairness in the claims assessment. Additionally, you may be required to complete a claim form, which typically requests detailed information about the accident and the extent of the damages. Providing an honest and thorough account of the accident on this form is crucial!
Prompt responses to your insurer’s inquiries and the timely submission of required documents can significantly expedite the claim's resolution. By approaching the claims process with transparency and honesty, you not only fulfil your obligations but also contribute to a smoother and more efficient experience.
We’re not willing this into being, but if ever you should find yourself involved in a car accident, now you know what to do. Preparation in the form of knowledge empowers you to handle such unfortunate events with calmness, confidence and clarity.
It's essential to prioritise safety, ensuring that you and others involved are out of harm's way before proceeding with any other actions.
Afterwards, meticulously document the incident by gathering contact details, photographing, and filing a police report. These actions form the backbone of a strong case for your insurance claim or any legal proceedings.
With this comprehensive approach, you can navigate the difficulties of a car accident more smoothly, leading to an efficient and favourable resolution. Remember, while car accidents can be unpredictable and stressful, your proactive and thorough response can significantly influence the outcome.
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Pineapple (FSP 48650) is underwritten by Old Mutual Alternative Risk Transfer Insure Limited, a licensed Non-Life Insurer and authorised FSP. T&Cs apply. Premium is risk profile dependent.
Please Note: The information provided above is for informational purposes only; you should not construe any such information as legal or financial advice.
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