other cars, as well as the condition of the road, weather or other external factors that may have played a part in the accident. Depending on the nature of an accident, it can be beneficial to obtain the details of any third-party witnesses. Many people think: "Well, my sister was with me in the car so she should be a good enough witness." However, what insurance companies look for if there is dispute over who was at fault in a collision is unbiased perspectives, so take down the names and contact details of independent witnesses if you can manage it. If you can't provide the details of the responsible party and vehicle that caused the accident, you will need to pay an excess. Furthermore, your no claim bonus or car insurance premium might be affected. The other major point to note following an incident is not to admit fault or liability, and don't attempt to settle any claim insurance claim made against you. A lot of people might think they are at fault immediately following an accident, but legally you may have been in the right. It's not your job to work this out, so leave that decision to your insurance company. If your vehicle is not driveable and you have car insurance comprehensive cover , arrange for it to be towed somewhere safe. If you are able to call your car insurer at the time, they may be able to assist in arranging a tow truck operator to attend