What to Do After a Car Accident in New Zealand: A Step-by-Step Guide
The exact steps to take after a crash in NZ — from securing the scene and exchanging details to lodging an insurance claim and choosing a panel beater.
1. Make the scene safe
Turn on your hazard lights, move the vehicle off the carriageway if it's drivable and safe, and check everyone for injuries. Call 111 immediately if anyone is hurt, if the vehicle is blocking traffic, or if another driver is impaired or hostile.
If the crash involves only minor damage and no injuries, you don't need to call police — but you do have to exchange details under the Land Transport Act 1998.
2. Exchange the right details
You're legally required to share your name, address, vehicle registration, and the name of the vehicle's owner with the other driver, and to do so as soon as reasonably possible (within 48 hours).
Take photos of every vehicle's damage, the wider scene, number plates, road conditions, and any skid marks. These will save hours during your insurance claim.
3. Lodge the claim early
Contact your insurer the same day if you can. They'll open a claim number, walk you through the excess, and tell you whether you can pick your own panel beater or must use one from their preferred network.
Most NZ insurers (AA, AMI, State, Tower, Vero) let you nominate your own repairer — but you may need to get an extra quote.
4. Choose a panel beater you trust
Look for I-CAR Gold Class certification, OEM (manufacturer-approved) status if your car is under 5 years old, and genuine reviews from past customers. Browse our directory by region to compare options near you.
Frequently asked
Do I have to report a minor crash to the police in NZ?+
No — provided no one is injured and you exchange details with the other driver within 48 hours. If the other driver leaves without giving details, you must report it to police within 60 hours.
Will making an insurance claim raise my premium?+
Usually only if you're at fault. No-fault claims with a clear other party rarely affect your premium because your insurer recovers the cost from the at-fault driver's insurer.
Can I choose my own panel beater?+
Most NZ insurers allow it, although they may ask for a second quote. If you have a newer vehicle, choosing an OEM-certified repairer protects your warranty and resale value.