Take care if you're on the roads today, as 16 January is the most dangerous day of the year to drive.
UK drivers have an average of 10,075 collisions on this date, equating to 420 collisions an hour or one every 8.57 seconds, according to new analysis from Privilege Car Insurance.
Here, Which? looks at what you can do to stay safe and how to make sure you're covered.
All of the year's most dangerous driving days fall in the winter, with 5 December, 30 November, 18 January and 13 January making up the rest of the top five.
Detailed analysis of insurance claims reveals that the kind of accident most likely to happen today is a hit to the rear, followed by accidents with single vehicles, and accidents with parked or stationary vehicles.
Ford cars are more likely to face a collision, though this could be because Ford is the most popular automotive brand in the UK.
As for what's causing these collisions, the most were caused by poor concentration, followed by bad weather, poor visibility, and tiredness.
Data also revealed that one in 10 18-34-year-olds who caused a collision did so by doing their make-up behind the wheel, and another one in ten blamed eating and drinking while driving for their accidents.
Poor concentration was most common among over-55s who caused incidents, while speeding was least common with this group.
Only one in five women involved in accidents were at fault for the crash, compared with a quarter of men. Women also caused fewer accidents while parking.
Car accidents can be fatal and traumatic, so if anyone is injured in a collision, the first thing you should do is call emergency services.
Once the dust has settled, you need to do the following things:
If you don't want to claim...
Make it clear in your communications that you're informing your insurer for 'information only'. This will stop it from settling with the other party's insurer without your knowledge and maintain your no-claims bonus.
If you do want to claim...
Read on to find out how to do it.
To start, you'll need the following details from any other drivers involved in the road accident:
Make sure you take a note of all of these. Then you can call your insurer and they'll send you a claim form. Some insurers allow you to make claims online.
Remember that you may have to pay an excess, so low-value claims might be of negligible benefit. Claims for large amounts, however, are generally worth it.
Which? surveyed 2,111 members of the general public about their car insurers in January 2019.
Our experts analysed this data to give each insurer a Claims Customer Score.