Tell your insurer about the accident as soon as possible, even if you do not plan to make a claim, and provide accurate details of what happened. Avoid admitting fault or agreeing to repairs or compensation before speaking to your insurer, and collect photographs, witness details and the other driver's information if it is safe to do so. Your policy will determine whether repairs, replacement, recovery or a courtesy van are available, while any effect on your no-claims discount and future premium will depend on the claim and your provider's terms. For an injury or liability dispute, consider advice from a solicitor regulated by the SRA.