Car Insurance Tips: What To Do After a Minor Accident or Fender Bender?

Knowing the right tips and best practices can make all the difference after a minor accident or fender bender. In the heat of the moment, it’s normal to feel confused: Should you call your insurer first? Do I need to file a police report? How do you protect your no-claims bonus?

At First for Women, we know that even a small bump can cause major stress. That’s why we have put together clear, step-by-step guidance to help you stay calm, safe, and in control while ensuring your Car Insurance works exactly how it should.

Step 1 – Stay calm and safe

The first and most important thing to do after a minor accident or fender bender is to focus on safety and stay calm. Even if the damage to your car looks small, the situation can still be overwhelming and stressful.

• Take a deep breath and make sure you’re not putting yourself, your passengers, or others on the road at risk.

• Pull over to a safe spot away from traffic and switch on your hazard lights. This will make your car more visible and reduces the risk of further accidents.

• Check yourself and any passengers for any sign of injury. In low-impact collisions, whiplash or shock can occur.

• Call emergency services if anyone is hurt.

Remember: your safety is more important than your vehicle. Cars can be repaired or replaced, but protecting lives must always be the priority. Staying focused and clear-headed will help you manage the next steps with clarity and prevent the situation from escalating unnecessarily.

Step 2 – Assess and document the accident

Assess the damage. Check for any leaks that may have occurred, even in a minor accident.  Make sure your vehicle is safe to drive. If, for instance, the tyre has been pushed into the bumper, it would be unsafe to drive, so we recommend using an approved 1st for Women towing service. The next step is to assess the situation and gather the necessary information. This detail won’t only help you when it comes to reporting the incident, but it will also strengthen your Car Insurance claim later.

• Take photos of both vehicles from different angles, capturing any visible damage, number plates, and the position of the cars on the road.

• Photograph nearby street signs, overall surroundings, and traffic lights, as these details create context if there are questions on how the accident happened.

• Note the exact time, date, and location of the incident. Include road conditions (wet, dry, poorly lit, etc.), as well as the direction you were travelling. These small but vital details provide valuable evidence that supports your version of events.

Thorough documentation shows your insurer that you acted responsibly and provides proof in case of disputes. By capturing everything accurately at the scene, you give yourself the best chance of a smooth, stress-free claims process with your Car Insurance in South Africa.

Step 3 – Exchange information

After documenting the scene, the next key step is to exchange information with the other driver. Gathering the right details means that your insurer has everything they need to process your claim without any unnecessary delays.

• Collect the other driver’s full name, ID number, vehicle registration number (license plate), insurance provider, and contact information.

• Gather witness information. Whether passengers or witnesses, it’s helpful to note their names and phone numbers in case statements are needed later.

One crucial point to remember: do not admit fault at the scene, even if you feel responsible. Determining liability is your insurer’s job, and admitting fault prematurely could complicate your claim or reduce your chances of a fair settlement. Keep the conversation factual, polite, and limited to exchanging only the necessary information.

To make this process easier, consider keeping a “car accident checklist” in your cubby hole or glove compartment. This way, when in a stressful situation, you’ll have a quick reference guide to remind you exactly what to do. Being prepared reduces anxiety and protects your rights. It also supports a smooth claims process with your insurer.

Step 4 – Notify the police and your insurer

In South Africa, it’s a legal requirement to report any road accident to the South African Police Service (SAPS) – even if it’s minor.

• Get a police case number, which becomes a required reference for your insurer when processing the claim.

• Report the incident as soon as possible. Late reporting could result in complications later.

• Contact your insurance company within 24-48 hours of the accident.

Promptly following these steps allows your insurer to guide you through the claims process, advise on what’s next, and oversee your case without delays. If another driver is involved, quick reporting also means that liability can be assessed efficiently and fairly.

Our dedicated team at First for Women make this process easier with quick, guided claims handling designed to reduce worry and get you back on the road faster. From clear communication to step-by-step support, we’re here to help you navigate the aftermath of an accident with clarity. Reporting early and correctly will allow you to focus on recovery, while we take care of the claim details.

Fender bender vs. major accident – know the difference

Not all road accidents are the same, which is why it’s helpful to understand the difference between a fender bender and a major accident. A fender bender typically involves minimal damage, such as a cracked bumper, dents, or scratches. While these can seem low-impact, they can still be costly to repair without the right cover.

A major accident, on the other hand, usually involves considerable damage to the vehicle, or multiple vehicles, or most importantly, injuries to the driver and passengers. These incidents often require emergency services, extensive repairs, and can even result in your car being written off.

Whether a small scrape or a serious collision, having reliable Vehicle Insurance provides financial protection and mental wellbeing. It makes sure that no matter the scale of the accident, you’re not left to face the cost and stress alone.

Why choose First for Women Car Insurance?

When it comes to protecting yourself on the road, First for Women Car Insurance goes beyond standard cover. We offer solutions designed specifically with women in mind. From benefits that fit your lifestyle to flexible policy options, you can feel confident knowing your plan is tailored to put your needs first.

With First for Women, you can experience a claims process that is quick, supportive, and stress-free – with empathic service that understands the challenges you may face after an accident. But we don’t stop there. With added extras such as roadside assistance, we give you more than just financial protection; we provide reassurance when it matters most.

If you’re looking for cover that truly has your back, why not take the next step?

Get a Car Insurance quote online

Want to make sure you’re protected against life’s unexpected bumps? Get a Car Insurance quote with First for Women today. Our friendly team will answer your questions, guide you through your options, and make sure you drive with complete peace of mind.

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Sources:

Arrive Alive: https://www.arrivealive.co.za/legal-duties-after-a-road-crash

 

Disclaimer: The information in this article is provided for informational purposes only and should not be construed as financial, legal, or medical advice.