What To Do When Involved In A Vehicle Accident In South Africa
1.
Stay Calm and Ensure Safety
Stop immediately – it’s illegal to leave the scene.
Switch on hazard lights and move to a safe location if possible.
Check for injuries – call 112 or 10111 for emergency services if anyone is hurt.
2.
Call the Authorities
Report the accident to the South African Police Service (SAPS) if:
There are injuries or fatalities.
There is property damage exceeding R1,000.
For minor accidents, you may still report for documentation and insurance purposes.
3.
Gather Information
Collect the following details:
Other driver(s) details: name, ID, contact, license plate, insurance.
Witness details (if any).
Photos of the accident scene, damages, skid marks, and surroundings.
Accident sketch if necessary, showing vehicle positions.
4.
With Insurance
Contact your insurer immediately – most have 24/7 claims lines.
Provide:
Photos of the accident and damages.
Police report if applicable.
Details of other parties involved.
Submit the claim according to your policy.
Arrange vehicle inspection/repairs through approved workshops.
Keep track of claim numbers and correspondence.
Tip: Avoid admitting liability at the scene – insurers investigate the facts.
5.
Without Insurance
Exchange details with the other driver(s).
Police report is critical – especially if damages are significant.
Attempt private settlement if the other party agrees.
If unable to settle:
You may need to take the case to small claims court or negotiate through legal channels.
You are responsible for covering damages out-of-pocket.
6.
Post-Accident Advice
Do not flee the scene – this is a criminal offence.
Do not argue or escalate with other drivers.
Seek medical attention even if injuries seem minor – some injuries appear later.
Keep a record of all costs and communication for insurance or legal purposes.
Extra Notes
In South Africa, car insurance is highly recommended because accident costs can be high.
Third-party insurance covers damage to others, but not your own vehicle.
Comprehensive insurance covers both your car and third parties, including theft and natural events