What to Do Immediately After a Car Accident in Ghana

Last Updated: August 2026 | Reading Time: 4 minutes

Being involved in a car accident on Ghana's roads—whether on the Accra-Tema Motorway, the N1 Highway, or a busy street in Kumasi—is a terrifying and disorienting experience. In the chaos immediately following a collision, your adrenaline spikes, and it is easy to make mistakes that could jeopardize your health and your future insurance or legal claim.

At Rosentesia Law Firm, we have represented hundreds of Ghanaian drivers, passengers, and pedestrians. Based on our years of experience navigating Ghana's legal framework, here is the exact step-by-step checklist you need to follow if you are in a car crash.

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Step 1: Stop, Stay Safe, and Call the Police

Do not drive away from the scene, even for a minor fender-bender. Under Ghana's Road Traffic Act, leaving the scene is a serious offence.

• Move your vehicle to a safe shoulder if it is drivable, and turn on your hazard lights.
• Immediately call the Police MTTD (Motor Traffic and Transport Department) using the emergency numbers 191 or 112.
• Request a police officer to come and inspect the scene. The police report is the single most critical document for your insurance claim with your insurer.

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Step 2: Document the Scene (Without Admitting Fault)

While waiting for the police, use your smartphone to gather evidence.

Crucial Warning: Do not say "I am sorry" or "It was my fault" to the other driver. In Ghanaian law, an apology can be misinterpreted as an admission of liability, which can be used against you in court.

Take clear photos of: - All four corners of both vehicles (showing the damage). - Skid marks on the road. - The intersection, traffic lights, or road signs. - Your visible injuries (bruises, cuts, or swelling).

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Step 3: Seek Immediate Medical Attention

Even if you feel fine, visit a hospital or clinic immediately. Injuries like internal bleeding or concussions often take hours to show symptoms.

• If you have a valid NHIA (National Health Insurance Authority) card, present it at a public hospital for urgent care.
• Keep all medical receipts, prescriptions, and doctor's reports. These documents are the backbone of your compensation claim, whether through your insurance or a third-party claim.

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Step 4: Notify Your Insurance Company

Under Ghanaian law, you must report the car accident to your insurance company within 24 to 48 hours to validate your claim.

• Contact your motor insurance provider (e.g., SIC, Enterprise, or Glico) and give them the police report number.
• Stick to the facts only (date, time, location, and the other driver's details).
• Do not accept an on-the-spot cash settlement from the other driver without a written agreement, as they may later deny any responsibility.

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Step 5: Consult a Ghanaian Litigation Lawyer

Before you sign any final discharge forms or settlement agreements from the insurance adjuster, schedule a consultation with a qualified legal practitioner.

Insurance companies have their own lawyers working to minimize your payout. Under Ghana's Civil Procedure Rules and the Motor Vehicles (Third Party Insurance) Act, you are entitled to compensation for: - Medical bills (current and future treatment). - Cost of vehicle repairs or actual cash value if written off. - Loss of earnings or income due to time off work. - Pain, suffering, and loss of enjoyment of life.

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Why Choose Rosentesia Law Firm?

• Local Expertise: We understand Ghana's courts, from the District Courts all the way to the Supreme Court.
• No Win, No Fee (Conditional Fee): We offer flexible fee arrangements so you don't have to worry about upfront legal costs.
• Accessible: Our office is located in Labone, Accra, and we are available via phone and WhatsApp 24/7.

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[Contact Us Today for a Free Case Review]
Call us at +233 (0) 27 123 4567 or send us a WhatsApp message to have an attorney review your police report and medical records within 48 hours.

Disclaimer: This blog post is for informational purposes only and does not constitute formal legal advice. Always consult a licensed Ghanaian lawyer regarding your specific case.