Make a Non Fault Claim After A Non Fault Accident.
Our 7 step claim form will take information regarding your non-fault accident for one of our New Claims handlers to assess. They will get in touch with you to discuss your claim and the next step. You can also call us now on 0330 128 1407.
Road Traffic Accident Claims are daunting, there’s no doubt about it. Our team are Non Fault Claim Experts. We’ll help you with:
Ready to speak to our team about
your non fault accident?
Do you have more questions about what a non fault claim is? Fill in our non-fault accident claim form above and one of our Non Fault Claim Experts will be in touch as soon as possible to begin the process and answer any questions that you may have at this point.
Alternatively, you can call us now on 0330 128 1407.
What Happens After You Begin
A Non Fault Claim.
If you’re unfortunate enough to be involved in an accident that wasn’t your fault, a non fault claim is a specific road traffic accident claim process which allows you to claim for damages, losses and injuries.
The difference between standard road traffic accident claims and a non fault claim is:
- How the process begins
- The difference in entitled benefits that the non-fault drivers receive
As the non-fault driver, it’s not fair that you have been involved in this scenario. It wasn’t you who DIDN’T follow the rules of the road, yet it IS YOU who has been hit with a range of inconveniences as a result.
What is Accident Claims Management?
This is a process where the non-fault driver makes a non fault claim through the at-fault driver’s insurance policy directly.
This leaves out the requirement to make a claim against the non-fault driver’s own insurance policy.
Then in the process, the non-fault driver receives a series of benefits to help reduce the impact on their day-to-day life – all at no cost to them. The costs are usually covered by a credit hire agreement, until they are reclaimed back from the at-fault driver’s insurer.
How the process begins for a non fault claim.
A Non Fault Accident Claim must begin by speaking to an Accident Management Company first.
Many people have a knee-jerk reaction to instinctively contact their own insurance company first after an accident.
Unfortunately, if a claim initiates as a result of the non-fault driver contacting their insurer directly, the driver who wasn’t at fault is no longer making a specific No Fault Claim.
Instead, the first step is to contact Accident Management Specialists like ourselves at Auto Claims Assist.
From here, we take as much of the information that you currently have, open your accident claim and will also provide accident recovery if your vehicle is still stuck at the roadside.
Preparing your claim and providing you with a replacement.
You’ll be assigned a dedicated claims handler who will communicate everything that we need as we prepare your claim.
This will include:
- Evidence from the scene (i.e. pictures, videos and documented notes)
- Any witness and passenger reports
- Police reports, including medical and injury documents
- Plus more
Knowing what to do in a car accident is very helpful in evidence collecting at the scene and understanding how to demonstrate who was at fault.
Once we understand the accident circumstances and are happy in being able to process a claim, we will organise a replacement vehicle for you while yours is off the road. The replacement vehicle is with you from start to finish, no matter how long your claim takes to process.
Getting you back on the road.
Leaving no stone unturned, we get you back onto the road in your own vehicle as quickly, safely and efficiently as possible.
If your vehicle lost value due to the accident it was involved in, we’ll also organise and manage the diminution claim. As non fault claim specialists, we are independent and on your side; here to provide a service which avoids any out-of-pocket or negative effects as a result of the accident.Learn about Claims Management
Some people think that the first thing they need to do after a non-fault accident is to contact their own insurance company.
In light of this, we have created a comparison between calling an accident management company vs your insurance company here after a non-fault accident.
Using your own insurer could leave you worse off if the accident wasn’t your fault.
By contacting Auto Claims Assist first, you'll be entitled to a much better experience and at no cost to you:
Rated EXCELLENT on Trustpilot
Award-Winning and FCA Regulated.
Your no claims bonus won't be affected
Receive a comparable replacement vehicle.
Dedicated claims handler.
Avoid paying your insurance excess.
24/7 Nationwide recovery & storage.
Manufacturer-approved engineers and Access to a national repair network.
Alternatively, you can fill out this form here and one of our New Claims Team will provide a call back to discuss the circumstances with you:
Frequently asked questions about Non Fault Claims.
In a non-fault claim, the driver who was not at fault has 2 options. They can either go directly to their own insurance company to start the claim, or they can work with a credit hire company (also known as an accident management company).
If the driver goes directly to their own insurance company, they may have to pay their excess and their insurance premiums may rise.
However, by working with an accident management company, they can avoid their excess, avoid their insurance being affected and can have their full claim managed by non-fault experts. All at no cost to the non-fault driver.
If you claim directly with your insurance company, it’s likely that your insurance will go up. This is often to do with a ‘pending claim’ which gets attached to the non-fault drivers policy. This results in your insurance going up on your renewal. To avoid this, non-fault drivers work with Accident Management Companies. This way, non-fault drivers leave their own insurance policy unaffected during the non fault claim.
Insurance companies make non-fault driver’s pay their excess up-front on a non-fault claim because the claim has not yet concluded liability of the accident. A non-fault driver can avoid paying their excess on a non-fault claim by working with an Accident Management Company first instead.
It’s a high possibility that a driver who wasn’t at fault can lose their no claims if they claim directly with their own insurer after a non-fault accident. This is because their own insurer will open a claim against the non-fault driver’s own policy. This can all be avoided by working with an accident management company. An Accident Management Company claims directly from the at-fault driver’s insurance policy instead; leaving the non-fault driver’s policy un-touched. As a result, avoiding the loss of your no claims if it wasn’t your fault.
Every insurer is different. A claim against your own policy can range from 2 years, all the way through to a full loss of a driver’s no claims. However, if you work directly with an accident management company, your no claims will not be affected. This is because we claim directly against the at-fault driver’s insurance policy.
A ‘non fault accident’ is when a car accident occurs that involves 2 or more vehicles but is caused by a particular person(s), leaving at least 1 person not at fault. The individual(s) who was not at fault for the accident is who is deemed to have had a ‘non at fault accident’.
The individual who was not at fault is entitled to a different process, known as a non fault claim. In this, they would contact an accident management company to claim directly against the other driver’s insurance policy.