Minibus Driving Advice- Accidents and Minibus Insurance
Whether it is your own minibus or a hire vehicle it is useful to know what to do in the event of an accident. A claim on your minibus insurance is the usual outcome after an accident. This article outlines the information that needs to be gathered at the scene to prevent any dispute.
As a minibus driver the first consideration after an accident is to make the scene as safe as possible.
1. Switch your minibus hazard lights on. Use a warning triangle if available. Take great care when placing the triangle at least 50 metres away from the vehicle. Warning triangles should never be used on the motorway.
2. Assess your passengers. If any are injured do not move them unless there is an immediate risk from other vehicles or fire. If the minibus must be vacated move the passengers to a safe location as far from the vehicle as possible. Be aware of approaching traffic when exiting the minibus.
3. If needed call the emergency services immediately. Provide them with as much information as possible about the accident scene and any injured passengers. As the minibus driver you will be required to stay at the scene until they arrive.
4. Any injuries should be reported to the Police. Try to keep details of all vehicles and people involved in the accident.
5. If the accident is minor or does not involve other people, check there are no injuries to your passengers and your minibus is roadworthy before continuing with your journey.
When an accident is serious enough that an insurance claim may follow do not admit liability at the scene. As rude as it may seem, do not apologise. This can be interpreted as admitting liability. And do not offer any payment.
The law requires you to give any person who is affected by the accident your details. These should include your name, contact number and the name of you insurance provider. A specialist minibus insurance provider such as The Minibus Club will be able to advise you about this.
It is very important to record all details of an accident. Information should include:
1. Vehicles involved
Record the types of vehicles and their registration number. Obtain the details of the other people involved in the accident including their name, address, contact number, insurance details and policy number.
2. Accident scene
Include details about the weather, visibility and road condition. Estimate the speed of the vehicles prior to the accident. Record the location of the accident, the date and the time. If the police attend the scene then ask for an incident number.
3. Details of Witness
Ask for the name and contact details of any people who witnessed the accident.
The best advice if involved in an accident is to stay calm. Losing your temper, however angry you may feel, will not help an already difficult situation. As a minibus driver your first responsibility is to your passengers and their safety. By taking a controlled approach to the situation will prevent putting others at further risk. The details gathered at the scene of the accident will be valuable information for resolving any legal or minibus insurance issues that may follow.