Bumper Bashing in SA: Your Road Accident Checklist

South African roads are no strangers to bumper bashings. Whether it's rush-hour traffic in Sandton, a rainy day on the N2, or an unexpected stop in a mall parking lot, accidents happen when we least expect them. While most of these incidents are minor, knowing what to do in the moments after a fender bender can save you time, money, and unnecessary stress.

If it’s a small fender bender or something a little more serious, knowing what to do in those first few minutes after a crash can make a big difference. From ensuring everyone is safe to gathering the right info for insurance or legal claims, being prepared helps you stay calm and in control.

Here’s a comprehensive, easy-to-follow checklist to help guide you through the immediate steps and aftermath of a bumper bash incident.

Reporting an Accident and Following The Process

1. Stay Calm and Check for Injuries

The first thing to do is stay calm. Take a deep breath. If you're able, check yourself and passengers for any injuries. If someone is hurt, call emergency services immediately. Your health and safety always come first.

Example: If you or a passenger is bleeding or unconscious, don't try to move them unless there's a risk of fire or explosion. Instead, wait for medical professionals to arrive.

2. Move to Safety (If Possible)

If the vehicles are still operational and it’s safe to do so, move them to the side of the road to avoid blocking traffic or causing a secondary accident. If not, turn on your hazard lights and use a warning triangle to alert other drivers.

Tip: Always keep a warning triangle in your boot. It’s a legal requirement in South Africa and comes in handy on the road, especially in low visibility conditions.

3. Exchange Details with the Other Party

Swap names, contact numbers, ID numbers, car registration details, and insurance information with the other driver. Also note the make, model, and colour of their vehicle.

Important: Be polite and cooperative, but avoid admitting fault at the scene. Liability will be determined by insurers or, if necessary, the court.

Example: If the other party is hostile or refuses to share their details, record their license plate number and report the matter to the police.

4. Take Photos and Record Evidence

Use your phone to take clear photos of the accident scene, including:

• The damage to all vehicles
• Number plates
• Road signs and traffic lights
• Skid marks, broken glass, or debris
• The position of the vehicles after the accident

Tip: Take photos from multiple angles and make a few notes about the time, location, and weather conditions.

5. Report the Accident to the Police

In South Africa, all road accidents involving injuries or damages must be reported to the police within 24 hours.

Even if the damage is minor, it’s still recommended to open a case at your nearest police station. You’ll need a case number to claim from insurance.

Note: Make sure to get a copy of the accident report or at least the case number for your records.

6. Notify Your Insurance Provider

As soon as you're safe and able, notify your insurer about the accident. Most insurers require you to report the incident within 24 to 48 hours.

Provide them with:

• Photos of the scene
• A copy of the police report or case number
• The other party’s details
• A description of what happened

Tip: Many insurers have apps or 24/7 helplines to help streamline this process.

7. Get a Vehicle Assessment and Repair Quote

If your vehicle needs repairs, your insurer will likely recommend an authorised panel beater or assessment centre. Some insurance providers even send a mobile assessor to your location.

Example: If your bumper is dented and your rear lights are broken, take your car in for an assessment as soon as possible. Delays can result in claims being rejected or additional damage occurring.

You can find more information on Car Insurance claims through MotorHappy’s Insurance Guide.

8. Know Your Rights and Responsibilities

South African drivers have a legal duty to stop after an accident, provide personal information, and wait with anyone who may be injured. Failing to do so is a criminal offence.

You also have the right to:

• Choose your own repair shop (unless your insurer has specific requirements)
• Get a copy of the police report
• Access your insurance policy terms and conditions

Did You Know? If you were not at fault, you can claim against the third party’s insurance, or pursue a civil case for damages.

9. Don’t Neglect Your Mental Health

Even minor accidents can be traumatic. It’s completely normal to feel shaken, anxious, or emotional afterwards. Take some time to rest and talk about the experience with a friend or loved one.

Tip: If you notice symptoms of stress, like difficulty sleeping or reliving the event, consider speaking to a mental health professional.

10. Prevent Future Fender Benders

While you can't control how others drive, you can reduce your chances of another accident by:

• Staying alert and avoiding distractions
• Maintaining a safe following distance
• Observing speed limits and road conditions
• Regularly checking your tyres, brakes, and lights

Example: A simple habit like checking your blind spots before changing lanes can significantly lower your risk of collisions

Conclusion

Bumper bashings are an unfortunate reality on South African roads, but knowing what to do can make a world of difference. With this checklist, you’ll be better equipped to handle the aftermath calmly, legally, and efficiently. 

The key is preparation, communication, and quick action.

Whether you're a seasoned driver or a newbie behind the wheel, keep this checklist saved on your phone or in your glove compartment. Because when the unexpected happens, it’s always best to be ready.