• By Raymond Momanyi

The Step-by-Step Guide: What to Do Immediately After a Car Accident in Kenya

Accidents happen when we least expect them. Whether it’s a fender bender on Thika Road, a sideswipe in Westlands, or a major crash on Mombasa Highway, staying calm and knowing exactly what to do next can make all the difference — not just for safety, but also for insurance claims and legal protection.

At Imana Insurance Agency Kenya Ltd, we’ve guided hundreds of motorists through post-accident procedures — from obtaining police abstracts to managing insurer approvals and claims. Here’s your go-to step-by-step guide on what to do immediately after a car accident in Kenya.

1. Stay Calm and Ensure Safety First

Your safety and that of others come first.

• Turn on your hazard lights immediately.
• If possible, move your vehicle to a safe spot off the road to avoid secondary collisions.
• Check yourself and others for injuries — call 999 or seek urgent medical attention if needed.

2. Do Not Leave the Scene

Leaving an accident scene is a criminal offense under Kenyan traffic laws. Stay until police arrive and investigations are complete, even if it’s a minor accident. This ensures the accident is properly documented — which is crucial for insurance claims.

3. Contact the Police and Obtain a Police Abstract

Report the accident to the nearest police station — whether it happened in Nairobi, Nakuru, Mombasa, or any other county.

• The police will assess the situation, record statements, and issue a Police Abstract.
• This document is mandatory for insurance claim processing in Kenya.

4. Gather Essential Information

Take note of:

• Vehicle registration numbers, make, and model.
• Names, phone numbers, and insurance details of other drivers.
• Contact info for witnesses.
• Photos and videos showing damages, number plates, and the scene layout.

This evidence strengthens your insurance claim and protects you against disputes.

5. Inform Your Insurance Intermediary or Broker

Notify your insurance intermediary within 24 hours of the accident.
At Imana Insurance, we make this process easier — simply report your claim online through our Claims Request Portal.

We’ll help you:

• Arrange for assessment and towing (if required).
• Guide you through insurer communication.
• Follow up on claim approval and settlement.

6. File Your Claim Promptly

Once you’ve reported the accident:

• Submit the required documents — police abstract, claim form, copy of your driving license, ID, and logbook.
• Get your car assessed by an authorized assessor.
• If it’s a comprehensive policy, the insurer will approve repairs at a listed garage.

7. Keep Track of the Process

Your insurance intermediary should update you throughout the claim process. At Imana, our claims team ensures your case is followed up to completion — from assessor reports to repair authorization, and final payment.

8. Understand Your Cover: Third-Party vs. Comprehensive

If you have Third-Party Only insurance, it covers the other person’s losses, not yours.
If you have Comprehensive Insurance, it covers both your car and the other party’s damages — plus add-ons like Excess Protector, Political Violence & Terrorism (PVT), Windscreen, and Loss of Use.

Learn more about your coverage options via Imana Motor Insurance.

9. Stay Prepared — Always

Before you hit the road, ensure:

• Your insurance certificate is valid.
• Your car has undergone valuation (especially for comprehensive covers).
• You have your intermediary’s contacts saved — Imana Insurance Agency: 0113619635 / 0745218460 / 0113806810.

Car accidents can be stressful — but with the right partner, the process doesn’t have to be a nightmare. Imana Insurance Agency Kenya Ltd stands with you from the moment an accident happens, to when your claim is settled.

If you’ve been involved in an accident, don’t wait — report it immediately through our Online Claims Request Portal and let our team handle the rest.

best car insurance in Kenya, car accident steps Kenya, how to file an insurance claim in Kenya, motor insurance claims process Kenya, comprehensive car insurance Nairobi, third party insurance Kenya, police abstract Kenya, car accident legal guide, online insurance claim Kenya, Imana Insurance Agency

#CarInsuranceKenya #MotorInsurance #ImanaInsurance #InsuranceClaims #KenyaRoadSafety #ComprehensiveCover #ThirdPartyInsurance #InsuranceMadeSimple #CompareBuySave #ImanaCares