Rear-Ended? Here’s What to Do

At the scene

1. Check everyone is OK. If anyone is hurt, call 000.
2. Move the cars out of traffic if it’s safe.
3. Get the other driver’s name, address, phone, registration and insurer.
4. Photograph both cars, both number plates, the road and where the cars ended up.
5. Save any dashcam footage and note witnesses.

Full checklist: what to do after a car accident.

Who is at fault?

In most rear-end collisions the driver behind is found to be at fault, because drivers are expected to keep a safe distance and stop in time. It isn’t automatic — things like a sudden unnecessary stop or a car reversing can change the picture — which is why photos, dashcam and witnesses matter.

Who pays for the repairs?

If the other driver was at fault and insured, their insurer should pay for your repairs. You can usually claim directly against their insurer instead of on your own policy — so typically no excess and no claim on your own record.

That’s exactly what we handle: we collect your car (or you drop it off), arrange the repair and recover the cost from the at-fault driver’s insurer. Not-at-fault accidents.

A car while yours is fixed

If you weren’t at fault, you’re generally entitled to a comparable replacement car while yours is off the road. We arrange one through our sister company National Hire Car, so you’re on the road the whole time. Not-at-fault car hire.

Hidden damage

Rear hits often look minor — a scuffed bumper — but can hide damage to the reinforcement bar, parking sensors, boot floor or exhaust. Get it properly assessed rather than accepting a quick cash offer at the scene.