A car accident is one of the most disorienting experiences a driver can have. In the moments afterwards, it's easy to panic, forget important steps, or make mistakes that affect your insurance claim. This guide walks you through exactly what to do — calmly and clearly.
Injured? Call 000 immediately.
For towing after the immediate emergency: 0405 888 555 — 24/7.
Check for Injuries First
Before anything else, check yourself and your passengers for injuries. If anyone is hurt, call 000 immediately. Do not move injured people unless there is an immediate risk (fire, oncoming traffic). Your safety and the safety of others is the only priority at this moment.
Move to Safety if Possible
If the vehicles are driveable and it is safe to do so, move them out of the flow of traffic — to the shoulder, a nearby car park, or a side street. Turn on your hazard lights immediately. If your car cannot move, stay in the vehicle with your seatbelt on until emergency services arrive (unless there is a fire risk).
Call Police if Required
In WA, you must report the accident to police if: anyone is injured; a driver flees the scene; or total damage is likely to exceed $3,000. For non-injury accidents, call 131 444 (Police Assistance Line). Officers will attend if required and provide you with an event number for your insurance claim.
Exchange Details with the Other Driver
Swap the following with every other driver involved: full name, address, phone number, driver's licence number, vehicle registration, and insurance company and policy number. Take photos of their licence and registration plate. Do not admit fault or apologise — this can affect your insurance claim.
Document the Scene
Use your phone to take photos and video of: all vehicles involved and their positions, the road conditions, any skid marks or debris, street signs or landmarks, and any visible damage. This evidence is invaluable for insurance claims and can protect you if liability is disputed later.
Call Your Tow Truck
If your vehicle cannot be safely driven, call a licensed tow truck operator. In Perth, you have the right to choose your own company — you do not have to use whoever turns up unsolicited. Call Tow Rite on 0405 888 555 and we'll be on scene fast. We work directly with all major insurers and will handle the tow at no out-of-pocket cost if you're covered.
Notify Your Insurer
Contact your insurance company as soon as possible after the accident — ideally the same day. They will open a claim and guide you through the next steps. If you used Tow Rite, we can often initiate the claim process on your behalf, making the whole experience simpler.
Need a tow truck right now?
Tow Rite is available 24/7 across Perth. We work with all major insurers — no upfront cost for covered vehicles.
Call 0405 888 555Key Facts for Perth Drivers
- You have the right to choose your own tow truck operator — you don't have to accept whoever turns up uninvited.
- Do not admit fault or apologise at the scene — this can be used against you in an insurance claim.
- Take photos immediately. The scene will change quickly once vehicles move.
- WA law requires you to report accidents where damage exceeds $3,000 or someone is injured.
- You must also provide your details to the other driver and to police on request.
- Insurance companies have time limits on claims — report the incident as soon as possible.
Frequently Asked Questions
Do I have to call police after every accident?
Not for every accident. If the accident involves injury, a driver fleeing the scene, or damage likely over $3,000, you must report it. For minor, no-injury incidents between cooperating parties, exchanging details is sufficient.
What if the other driver doesn't have insurance?
You can still proceed with your own insurer if you have comprehensive cover. They will pursue the uninsured driver for recovery of costs. If you only have third party, the Insurance Commission of Western Australia (ICWA) may be able to assist if the other driver is uninsured.
Can I choose which mechanic or panel beater my car goes to?
Generally yes, though your insurer may have preferred repairers. You are entitled to request your vehicle be towed to a specific address. Tell the tow truck driver your preferred destination when they arrive.
How long do I have to report the accident to my insurer?
Most policies require you to notify them 'as soon as reasonably practicable.' Same-day or next-day notification is best. Check your policy — some have specific time limits.
