What to Do in the First Hour After a Car Accident: A Step-by-Step Guide

Step 1: Ensure Safety First

Those first sixty minutes after a car accident are critical—your actions now will determine your safety, your insurance claim, and your peace of mind.

Your immediate priority is getting yourself, your passengers, and anyone else involved to safety. If the vehicles are drivable and traffic is light, move them to the side of the road away from oncoming traffic. Turn on your hazard lights to alert other drivers, and if you're on a highway or busy road at night, turn on your headlights as well.

If anyone is injured, call 000 immediately and provide the dispatcher with your location and the nature of injuries. Do not attempt to move anyone who appears seriously hurt—wait for paramedics. Once everyone is safe and accounted for, take a few deep breaths. You're doing the right thing by following these steps, and professional help is available 24/7 if you need immediate towing or emergency assistance.

Step 2: Gather Information at the Scene

While waiting for authorities or before leaving the scene, collect crucial information that will support your insurance claim. Use your phone to photograph the accident scene from multiple angles, including damage to both vehicles, the surrounding area, road conditions, and any visible skid marks. Don't forget close-ups of the other vehicle's registration plate, make, model, and colour.

Exchange details with the other driver: full name, phone number, address, email, driver's license number, and vehicle registration details. Also record their insurance company and policy number. If there are witnesses, ask for their names and contact information—their statements can be invaluable. Take notes on the exact time, location, road conditions, and how the accident happened while details are fresh. This information is essential when you contact your insurer or our accident diagnostics team here in Bayside Melbourne.

Step 3: Know When to Call for Professional Towing

If your vehicle is undrivable, damaged beyond safe operation, or blocking traffic, it's time to call a professional towing service. Many accidents require immediate professional assessment to prevent further damage or safety hazards. In the Mordialloc and Braeside area, 24-hour accident towing is essential—you shouldn't attempt to drive a compromised vehicle, and moving it safely requires specialised equipment and expertise.

Contact your breakdown service or your insurer's approved tow operator immediately. When you call, provide your location, the nature of the damage, and whether anyone is injured. The dispatcher will arrange the fastest available service. If your insurer has specific towing requirements, follow their guidance. This is also the perfect time to reach out to a specialist smash repair service like Style Finish Prestige Auto Body, where we can arrange towing and begin the diagnostic process to assess your damage.

Step 4: Start Your Insurance Claim

Within the first hour, contact your insurance company to report the accident. Have all the information you've gathered at hand: the other driver's details, photos, your notes on how the accident occurred, and the police report reference number if authorities attended. Your insurer will guide you through their claims process, explain what documentation they need, and advise whether your accident is covered and whether you're at fault.

If you're not at fault, your insurer can often arrange repairs through their approved repairers without out-of-pocket costs. Even if you were at fault, most policies include accident cover. At this stage, don't admit liability or accept settlement without professional advice. Once your claim is lodged, our team at Style Finish Prestige Auto Body can liaise directly with your insurer, handle all repair assessments, and manage your vehicle through our full smash repair, panel beating, and spray painting services. We're here to make the process as smooth as possible during a stressful time.

Frequently asked questions

Stay calm and safe—don't escalate the situation. Call 000 and request police assistance to document the incident. Even without the other driver's details immediately, police reports and witnesses can support your claim. Contact your insurer right away with the information you do have.

In most cases, you should report the accident to police, especially if there's significant damage, injuries, or disputes about what happened. Your insurer will typically require or strongly prefer a police report reference number. Always provide your insurer with the report details as soon as you have them.

This depends on your policy and whether you're at fault. Many insurers allow you to use your preferred repairer, though some offer discounts for network repairers. Always check your policy and speak with your insurer—Style Finish Prestige Auto Body works with all major insurers and can guide you through this process.

We offer 24-hour accident towing in the Mordialloc, Braeside, and Bayside Melbourne areas, so help is available immediately. Once your vehicle reaches our facility, our accident diagnostics team can assess damage promptly and begin coordinating with your insurer to get repairs underway as quickly as possible.

Expert Help Available 24/7

Let Style Finish Prestige Auto Body guide you through accident repairs with professional towing, diagnostics, and seamless insurance coordination.

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Theo M
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Well that's one way to turn a negative experience into a positive one. Thanks to Franco and the team at StyleFinish for addressing and rectifying my concerns swiftly.
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Joe f
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Many thanks to Franco & the all the team at Stylefinish, for the care, quality of work & professionalism they exhibited. I was really in a real predicament, but they managed to deliver a great outcome for me. Joe C.
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Bob I
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Following an accident, the rear end of my car was perfectly repaired by Stylefinish. They not only detailed the interior but also resprayed the whole car leaving it in a condition bettered only by its condition when new. Drove away happy to have a new car!
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Fiona K
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Picked up my car after accident and am thrilled with the job( looks brand new) the staff and service. Highly recommend. Thanks Frank and staff you did a stellar job and was delighted so quick . Thankyou fiona
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Nathan F
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Absolute legends my car came back brand new! 10/10 👌
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Antonina P
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I am extremely satisfied — even more than I expected. The work was completed quickly and with high quality for my Nissan X-Trail, and everything went smoothly without any issues. Especially appreciate the extra help and support provided to make things easier for me while I was without my car. It was also such a pleasant bonus to receive my car professionally washed and cleaned — it looked like new again! Highly recommended!
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Lisa b
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Just want to say a massive thank you to Frank and the team at Style Finish. Having a car accident is a very stressful time and i am happy to say that from one phone call everything was taken care of i was given a loan car to drive so i wasnt without a vehicle. I picked my car up today from the new and highly stylish, Style finish and my car was shinning like it was brand new again. All repaires have been done to perfection and i was kept updated throughout via text msssagss which is a really professional touch. Im so happy with my experience and cant thank the team for their profesionalism care and dedication. Thank you for looking after me and my car and making the whole process go smoothly Lisa :)
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Alexie m
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After being rear ended in a crash, stylefinish was appointed by my insurance company and they have done the most beautiful job. Not only have they repaired it perfectly they have polished my whole car inside and out and it looks brand new. The staff were also extremely lovely and helpful. I would highly recommend them.
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