What you should do in the event of an accident

Please print off and keep this handy guide in your glove box with your insurance papers.

The following steps have been designed to assist you in the event of an accident

1. Following an accident

  • Stop immediately, turn off ignition and turn on the vehicle’s hazard lights
  • Use headlights, indicator lights or hazard lights to warn other drivers, and to light up the scene if dark
  • If you are ok, provide assistance to others involved in the accident that may be injured. Do not move the injured unless necessary
  • If possible, send someone to warn oncoming drivers
  • If there is danger, serious injuries or life threatening concerns, you should telephone 000 (if calling from a mobile you may need to dial 112). If there are minor injuries and no immediate danger, please call the police on 131 444 (in QLD & VIC please contact your local police station)
  • Clear the road of broken glass or debris
  • Do not smoke – there might be spilt petrol
  • Exchange driver’s names, address, registration numbers and names of vehicle owners with others involved in the crash.

2. Contact the police if:

  • A person is killed or injured
  • A vehicle needs to be towed away
  • There is damage to property or animals (in WA where the total value of property damage to all parties exceeds $1000)
  • A person fails to stop or exchange information
  • A driver is believed to be under the influence of alcohol or drugs.

* NB – In the ACT – All accidents must be reported to the police within 24 hours.

* NB – In the NT – All accidents must be reported to the police.

If police do not attend the crash scene, you must immediately report the crash to the nearest Police Station where:

  • You are in a crash and either your vehicle or another vehicle needs to be towed away
  • There is damage to property or injured animals.

* NB – If you are involved in any type of accident in Western Australia or in another state/territory with a vehicle registered in WA, you must report the accident to the Insurance Commission of Western Australia by telephoning +61 8 9264 3333 or 1800 643 338.

3. Sketch the scene

If you are feeling okay, try to sketch the scene of the accident and write in the street names. If you have a camera/camera phone, consider taking pictures as an alternative. This will help you, if any of the vehicles have been moved and if police are called to the accident.

sketch the scene template

4. Exchange details with other driver/s

  • Complete ‘Details for your insurance claim’ form
  • Do not admit liability, even if you believe you are at fault
  • Give your details to the other driver/s
  • Ask for the details of the other driver/s.

5. If the police attend

  • Provide your details to the police
  • Provide the police with details of the accident – refer to ‘Sketch the scene’

6. Do not discuss the accident with anyone

Only speak with the police or your insurance company representative. You may get a statement from a witness or the contact details of a witness.

7. If the vehicle is drivable

To guarantee the quality of your repair work, we recommend you take your vehicle to a repairer – either your own, one of Zurich’s or your nearest. The repairer will arrange for an assessment and repair of your vehicle.

8. If the vehicle is not drivable

If your vehicle is not drivable, have it towed to an accredited repairer.

The repairer will arrange for an assessment and repair of your vehicle. Using an accredited repairer will assist in guaranteeing the quality of the repair work.

9. Contact Zurich on 132 687 (24 hours)

You will need to advise Zurich of the accident. Zurich’s Claims Assistance team can be contacted on 132 687 (24 hours). They will assist by confirming details of the accident and, if required, provide contact details of your nearest Zurich accredited repairers.


Lodge a motor claim online

For the use of Brokers and approved Motor Fleet customers.

Our claims promise