Guides

Paperwork after a minor accident

Published 20 October 2026 · Last reviewed 24 October 2026

Nobody plans for a fender-bender, which is exactly why a short routine helps.

At the scene

• Make the place safe first: hazard lights, warning triangle, everyone out of the traffic. Call emergency services if anyone is hurt.
• Exchange details with the other driver: name, phone, licence number, plate, insurer and policy number.
• Take photos: both cars from all sides, the damage up close, the position of the cars on the road, road signs and markings, and the other car's plate.
• Note witnesses' names and phone numbers before they leave.

The accident report form

Many insurers provide a standard joint report form - in much of Europe it is the European Accident Statement. Both drivers fill in one form together and each keeps a copy. Describe what happened, mark the sketch, and do not sign anything you do not understand or do not agree with; there is space for remarks.

Police

Whether the police must be called for a minor collision depends on local rules - usually they must be involved when someone is injured, when the drivers disagree, or when the other party leaves. When in doubt, call.

Afterwards

• Notify your insurer within the period your policy states, even if you plan to settle privately.
• Keep copies of everything: the form, the photos, repair estimates and invoices.
• Write down your own account of what happened the same day, while you remember it.