What if I am involved in a non-fault car accident?
There are a few things that you can do immediately after an accident to prove your innocence in a non-fault accident.
Make a note of all the vehicles involved in the accident, including the driver’s details, number plate and insurance details – if possible.
Take photos with your phone so you have exact details of the scene, including images of the third party vehicle showing the damage incurred as a result of the accident.
Speak to anyone who may have witnessed the accident and get their details, so that they can attest to the fact that you were not at fault.
Head to the hospital so that your injuries can be adequately treated and documented officially. Some injuries are superficial at first glance but have long-term effects, and the hospital can consider this and note it down if that is the case. You could need that information later in the claims process.
Contact Auto Claims Assist and we will deal with everything on your behalf.
Did you know?
Making a claim can lead to increased premiums.
By law you have the right to choose how you claim. If you make a claim on your insurance, your claim will be classed as open until all the costs have been recovered by your insurer. It could take at least 12 months for your insurer to recover all their losses. Your premium may increase anywhere between 20% to 50% regardless of whether it’s fault or non-fault, as you are seen as higher risk. In addition this could have an affect on your future policies for the next 5 years because when renewing insurers ask for your claims history over this period. (Source RAC)