At the Scene
- Stop — it's illegal to leave the scene of an accident
- Check for injuries — call 000 if anyone is hurt
- Move vehicles if safe — clear the road if possible
- Exchange details — name, address, phone, licence number, rego, insurer details with all other drivers
- Take photos — damage to all vehicles, the scene, road conditions, traffic signs
- Get witness details — if anyone saw what happened
- Report to police — required in VIC if anyone is injured, if a driver fails to stop, or if total damage exceeds $500+ (varies by state)
CTP Claims — VIC
If you're injured in a car accident, CTP insurance covers your medical expenses, lost income, and rehabilitation. In VIC: Government monopoly (TAC) — included in registration, no choice of insurer.
Insurance Claims
Contact your car insurer as soon as possible. You'll need: your policy number, details of the other driver(s), photos, and a description of what happened. If the other driver was at fault, their insurer pays — your insurer can help pursue this.
If You're Not at Fault
If the other driver was at fault, you can claim against their insurance for repairs, hire car costs, and any out-of-pocket expenses. If they were uninsured, you may need to pursue them directly or through your own policy's uninsured motorist cover.
Frequently Asked Questions
Do I have to report an accident to police?
In VIC, you must report to police if anyone is injured, a driver fails to stop, or damage exceeds a threshold (typically $500+). Always report if in doubt.
Will my insurance premium go up?
If you're at fault, likely yes. If the other driver was at fault, your premium generally shouldn't increase. Check with your insurer.
What if the other driver has no insurance?
Their CTP covers your injuries. For property damage, you may need to pursue them personally or use your own comprehensive insurance if you have it.