Spikeee,
Anytime that a pilot enters cloud flying vfr then there is a problem!
The last thing a pilot needs to do is panic. The best thing he can do is call ATC.
The first thing ATC will do is find out your position and try and identify you. Once we know where you are we can help with terrain level info and if needs be give you tracks to fly.
If you are lower than the highest ground we will tell you the msa. It is up to you wither you want to climb or not. Some go lower trying to get out of cloud and sight of surface. The decision is yours. However if you are not above the msa we will not vector you incase you go into a hill or other object. We will give as much information as possible as to terrain, etc until such times as you fly out of cloud. The fact that you are or are not imc qualified is not our concern, and we dont police it. All we wanna do is see you safely land in the quickest and safest manor.
The quickest way to get our attention is to call a pan or mayday. I cant stress enough times how important it is to call a pan/mayday, even if it doesn't develop into a full scale emergency. You will have our undivided attention and help until things are sorted.
As for the origional question from Dublinflyer, as far as ATC are concerned all accidents which result in damage or injury must be reported.