Must you always call the police after a collision?
No — but only if every condition is met. The agreed statement may be completed if the accident involves two vehicles, there are no injured people, the vehicles can continue driving, and both drivers agree on the circumstances and confirm it with a signature. If even one condition fails — someone is hurt, three cars are involved, or the drivers cannot agree — the police must be called and the form must not be used. It can be completed either on the paper form or in the LTAB OCTA app on your phone. And there is a deadline people miss: the statement must reach the insurer within 10 days of the accident.
📋 The rules
- Only two vehicles involved
- No injured people
- Cars can continue driving
- Both drivers agree and sign
- Submit to insurer within 10 days
🔓 Exceptions
- If any of the conditions fails, the police must be called
- It can also be completed electronically in the LTAB OCTA app
- If the drivers cannot agree on the circumstances, the form must not be used
⚠️ Penalties & fines
The biggest mistake is signing something you do not agree with. The agreed statement is a joint confirmation by both drivers of what happened — so by signing it you confirm the circumstances described. If you disagree with the other driver's version, do not sign and call the police: arguing about it later, once your signature is on the form, will be far harder. The second mistake is missing the 10 days, which can complicate the entire claim. And the third: if there is even the slightest injury, the agreed statement must not be used — even if both of you feel fine, because pain often appears later. Photograph both cars, the damage and the location.
📎 Official sources
❓ Frequently asked
When can I skip calling the police?
When two vehicles are involved, nobody is injured, the cars can continue driving, and both drivers agree on the circumstances and confirm them with a signature. Then the agreed statement is enough.
When are the police compulsory?
If anyone is injured, if more than two vehicles are involved, if a car cannot continue driving, or if the drivers cannot agree on what happened. In those cases the agreed statement must not be used.
What is the deadline?
The agreed statement must be submitted to the insurer within 10 days of the accident. Missing that deadline can seriously complicate the claim, so it is best done immediately afterwards.
Can it be filled in on a phone?
Yes. Besides the paper form, the agreed statement is increasingly completed electronically in the Motor Insurers' Bureau OCTA app, which walks you through every field step by step.
What if I disagree with the other driver?
Do not sign the statement and call the police. Your signature confirms the circumstances described, and challenging them afterwards is far harder. Photograph both cars and the scene as well.
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