19/10/2026
“Let’s just keep insurance out of it.”
It can sound like the simplest option after a minor road traffic accident, particularly when everyone just wants to get home and move on.
The difficulty is that the full picture may not be clear at the roadside.
Vehicle damage can often be assessed relatively quickly. An injury may take longer to become apparent, and symptoms can develop or change in the days that follow.
HOMS Assist Partner John Ringrose explains why it is important to exchange the correct details, keep a record of what happened and avoid making an important decision while you are still shaken or under pressure.
The aim is not to make the situation more complicated. It is to make sure any decision you make is based on the full picture.