Top 5 good reflexes to have in the event of a road accident

1. Apply the principles of prevention

Whether you’re a driver of a classic vehicle or not, you should know that more than 80% of accidents, whether at fault or not, are preventable. Don’t put yourself in the situation of an accident; apply the principles of prevention. It’s always better to anticipate the risks that may arise than to have to activate your classic car insurance policy.

Courtesy behind the wheel is not only a matter of politeness, but also of safety. Incivility on the road often results in dangerous behavior, which can lead to accidents.

2. Have the right accessories

Mandatory safety elements and accessories.

For safety reasons, regulations require all drivers to carry certain equipment on board their vehicles. Every driver must carry a reflective vest and a warning triangle inside their vehicle. This equipment allows you to be seen by other road users in the event of a breakdown or accident, thus ensuring everyone’s safety.

It is highly recommended to have an unused, valid breathalyzer in your car. In France, drunk driving is responsible for 30% of deaths following road accidents.

Non-mandatory safety elements and accessories.

A spare wheel is highly recommended and should be placed in the trunk or under the vehicle, but this is optional. There is no requirement to have a spare wheel in your vehicle.

Spare bulbs and fuses are highly recommended but are not legally required. If you’re stopped, no one can fine you if you don’t have them. However, the Highway Code requires you to drive with working lights. Driving with faulty lights can result in a fine of up to €180 and the immobilization of your vehicle.

3. Helping accident victims

Alert emergency services as quickly as possible. Every minute counts!

Always call 18 or 112 from a landline or mobile phone to alert the emergency services. Emergency call points are located every 2 km on motorways, expressways, and tunnels and are available 24/7. The call is free and geolocated.

4. Complete the joint report

Completing the joint report is an important step in reporting your claim to your insurer. This document allows insurers to define and establish the responsibilities of all parties. To avoid being caught off guard and to know what to do in the event of a car accident or, more generally, a  traffic accident, find out all the elements that your report must include:

5. Report your claim to your insurer

The French Insurance Code stipulates a maximum period of 5 business days (excluding weekends and public holidays) from the date of the claim. Your insurer may allow you a period longer than 5 days. Even if this period has passed, it is rare for this to have an impact on the amount of your compensation. Insurers generally require the original report by mail; you can send a copy by email, but mailing remains essential.