contact our new claims team

If you’ve just had a non-fault accident.
Call our team on 0330 128 1407 now for advice

contact our new claims team

Just had a non-fault accident?
Call for advice on
0330 128 1407

Road Traffic Accident Claims

Road Traffic Accident Claims are usually initiated by a person who has had an accident that was no fault of their own. It can be extremely frustrating to be involved in a road traffic accident that wasn’t your fault.

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Road Traffic Accident Claims

Most people feel shocked and shaken, even if they don’t seem to be physically injured. It can be difficult to take in what has happened and it is normal to feel overwhelmed. You may also feel angry, confused, scared or helpless.

These are all perfectly natural reactions.

You may be left wondering whether you should make a road traffic accident claim. Road traffic accident claims can seem daunting in themselves, though… don’t they?

It’s a horrible situation because you’ve possibly been stuck with:

  • A damaged vehicle that may not be drivable or safe.

  • Injuries to you or your passengers; concernedly life-changing ones at that.

  • Worries over unexpected financial outlay that you may now face.
  • And uncertainty about road traffic accident claims; something you may have never dealt with in your life before.

All of this even though the accident wasn’t caused by you.

Knowing where to start is the key to smooth sailing from here on out.
Fortunately, you’re on our website – Auto Claims Assist.

We are an Accident Management Company that specialises specifically in Non-Fault Road Traffic Accident Claims.

Your first contact after an accident can be one of the most important.

By choosing Auto Claims Assist for your non-fault Road Traffic Accident Claim, you’ll be covering all bases across the claim, from start to finish. We manage road traffic accident claims from the moment you speak to us, until the moment that your claim is concluded.

If you speak to your own insurance company, you risk putting your own insurance policy at risk.
If you speak directly with a personal injury solicitor, the other factors of a road traffic accident may get overlooked.

Whereas, if you speak to an Accident Management Company, we manage every aspect of your road traffic accident claim.

We are an independent, on-your-side accident claims management solution.

If you have had an accident that wasn’t your fault, Auto Claims Assist is the most beneficial first point of contact. Call us today on 0330 128 1407 or contact us here to learn how we can help you after a non-fault accident.

  • Below is an extensive guide on Road Traffic Accident Claims

If The Accident Wasn’t Your Fault…

Auto Claims Assist is the most beneficial first contact after a non-fault accident.

Reasons to choose our service:

No cost to you
No insurance excess to pay
No effect on your No Claims
Dedicated claims handler
Like-for-like replacement
400+ Repair network
FCA Regulated

Road Traffic Accident Claims Guide
Table of contents

Factors To Consider For Road Traffic Accident Claims

There are multiple factors to consider when processing road traffic accident claims.
Accident Claims Management Companies, like ourselves at Auto Claims Assist, are usually the only type of company which will help to cover and manage all of the factors involved.

Road Traffic Accident Claims Factors To Consider

Vehicle Accident Recovery At The Roadside

Depending on the extent of the damage, your vehicle may be able to be driven away from the accident site. However, If the damage is significant, or you are not sure if it is safe to drive, then you should consider contacting an Accident Recovery Service.

Accident Recovery can be daunting and also costly depending on what you choose to do. Even this early in the process; non-fault drivers can feel the financial sting of a non-fault accident.

Providing that the accident wasn’t your fault; Auto Claims Assist have a non-fault accident recovery service, ready and waiting on 0330 128 1407.

As part of choosing us for your road traffic accident claim, and providing we can take on your case, your recovery will be at no cost to you within your credit hire service. We cover the costs for you and claim them back from the at-fault driver’s insurer.

vehicle recovery after a road traffic accident claim

Initiating your road traffic accident claim with the other driver’s insurance company

To start your claim, you will need to gather evidence to support your road traffic accident claim before processing through to the next stage.

This evidence can include things like:

  • Photographs of the accident scene.
  • Witness statements.
  • Your medical records.
  • And more…

Knowing what to do in a car accident is important to the success of road traffic accident claims.

By choosing Auto Claims Assist, you’ll be assigned a dedicated claims handler who will guide you through every step of the way.

They will assist in evidence gathering and preparing all of the correct information to kick-start the process efficiently. Doing this properly will help to avoid issues down the line.

Negotiations will then begin and you’ll be kept in the loop the entire time, but without the hassle of having to deal with any of the claims yourself.

Does initiating a claim mean that I need to go to court?
Don’t be too worried about going to court. In the majority of cases, negotiations with the other driver’s insurance or representative lead to successful conclusions without a court hearing. Even if a court date is issued, it’s still likely that your claim might conclude before that date comes up. We find that on average 95% of cases are settled without the need to go to court.

However, should a case proceed to a court hearing; your dedicated claims handler will ensure that everything is processed correctly; leaving you without the stress or concern of it all. Our panel of solicitors will be dedicated to ensuring that justice results in a fair outcome.

Replacing your vehicle with a like-for-like spec vehicle at no cost to you

After an event as traumatic as a car accident, the last thing you want to worry about is how you’re going to replace your vehicle while yours is off the road.

If you choose to go another way…

  • Your insurer may only provide a basic courtesy car; and only when one is available.
  • By working with anything other than a credit hire company, you might find you have to outlay the funds to hire a vehicle while yours is away; hoping to claim it all back afterwards.

Whereas, with credit hire, we can provide a replacement vehicle that is exactly like your old one, from within 4 hours of the accident, but without any of the hassle or expense.

  1. We will arrange for a replacement vehicle to be delivered to you, so you can carry on with your life as normal.
  2. The replacement vehicle will be of the same specification as your vehicle, no matter how luxurious or large that may be. You won’t have to make any compromises.
  3. You won’t have to pay a penny for the replacement vehicle, as we will cover the cost of hire and reclaim the costs from the other driver’s insurer.
  4. We provide you with the replacement throughout the entire duration that yours is away, even while your vehicle is being repaired. You won’t be left stranded.

Auto Claims Assist will make sure you’re back on the road as soon as possible, with minimum disruption to your life.

vehicle replacement during a road traffic accident claim

Repairing your vehicle at no cost to you

The repair of your vehicle is another factor that needs to be taken into consideration during road traffic accident claims.

By not choosing the accident claims route wisely after the accident, a non-fault driver could end up having to financial outlay the costs of the accident repairs; then being made to wait until the claim’s conclusion to be re-paid those costs.

Through credit hire, an accident management company can get your vehicle repaired and back on the road without you having to pay out.

Then, just like with the vehicle replacement, the accident management company will re-claim those costs back from the at-fault driver’s insurance company.

Storing your vehicle securely while it’s being repaired

Factors that you may be worried about are:

  • What will happen to your vehicle while it’s off the road and being repaired?
  • Will it be secure?
  • Where will it be stored?

Without a full start-to-finish accident management solution, your vehicle’s storage may be left up to you to organise. Potentially once again, creating an additional and unexpected financial outlay.

As an accident management and credit hire company, we understand how important it is to have peace of mind when it comes to your vehicle.

That’s why we offer a secure storage solution for your vehicle while it’s:

  • Off the road
  • Waiting for repair
  • Then being repaired

Our storage facilities are designed to protect your vehicle from the elements and any potential security threats. We also have a team of experienced professionals who will monitor your vehicle 24/7 to ensure its safety and security.

Claiming for any injuries and losses you and your passengers may have sustained

If you’ve been in a road traffic accident that wasn’t your fault, you may be able to claim compensation for any injuries and losses you or your passengers have sustained. An accident management company can help you through the claims process, ensuring that you receive the maximum amount of compensation possible.

We work with a panel of expert personal injury solicitors to make this happen for you, and continue to help with the management of your claim – ensuring nothing is forgotten or overlooked.

There are a few things to bear in mind when making a claim for injuries and losses sustained in a road traffic accident:

First, you’ll need to gather evidence to support your claim: This may include medical records, police reports, and witness statements.

Second, you’ll need to calculate the value of your claim: This includes not only the cost of any medical treatment you’ve received, but also any lost earnings and other financial losses.

Finally, the negotiations with the other driver’s insurance company to get the best possible settlement: Working with our panel of expert personal injury solicitors, we’ll work together on a fair and reasonable result.

Vehicle diminution and making a diminution claim

Vehicle diminution is the loss in value of a vehicle as a result of damage, repairs or other factors.

An important factor to consider when making a claim for vehicle damages after an accident; it is important to take into account any potential loss in value of your vehicle. This is common in more prestige and high-end vehicles.

If your vehicle has been damaged, repaired or is otherwise worth less than it was before the incident, you may be able to make a claim for diminution in value. This can be claimed as part of your overall damages, or separately.

A non-fault accident specialist, such as Auto Claims Assist, will include diminution claims within your accident management process.

If a non-fault driver chooses to contact their insurance company directly, or just work with a dedicated person injury solicitor, for example; they may find that finer details, such as diminution claims, get overlooked.

Diminution claims are slightly more specialist. As a credit hire company, we take vehicle damages very seriously as part of road traffic accident claims.

Your Auto Claims Assist dedicated claims handler will help you to expertly assess the loss in value of your vehicle, caused by the accident, and will negotiate with the other party’s insurance company on your behalf. All costs associated with calculating loss of value and claiming back the costs will be covered by the at-fault driver’s insurance policy. There will be no cost to you for this privilege.

Getting you back on the road, safely and confidently

An accident management company helps non-fault drivers to get back on the road, safely and confidently after road traffic accidents and road traffic accident claims.

We provide a range of services to help you recover from your accident, including arranging repairs, replacement vehicle and providing support and advice throughout the process.

We work with a network of carefully selected repairers and suppliers who meet our high standards, so you know that you and your vehicle are in safe hands.

Our goal is to get you back on the road as soon as possible, with minimum inconvenience and stress. We’ll go above and beyond to make the accident process as smooth and easy as possible for you.

If you’ve been involved in a road traffic accident, call us today on 0330 28 1407 and we’ll be happy to help.

Back On The After Road Traffic Accident Claims

Yourself & Your Passengers In An Accident

If you have been involved in a road traffic accident, it is important to seek medical help as soon as possible, even if you do not think you are injured. Some injuries, such as whiplash, may not be immediately apparent but can still cause long-term problems.

If you delay seeking medical treatment, it may be more difficult to prove that your injuries were caused by the accident, and you may have more difficulty processing a road traffic accident claim.

Try to get the contact details of any witnesses to the accident, as their testimony may be important when making a claim.

Safety of you and your passengers is the first priority after a car accident.

We’ve developed a guide for what to do in a car accident, to use as a step-by-step walk-through for road traffic accident claims success if the accident wasn’t your fault.

Determining Fault For Road Traffic Accident Claims

The determination of fault at the scene of an accident is the next priority once everyone is safe and any injuries are dealt with.

Calm conversation with the other driver is really important to avoid tempers flaring.

In some cases, fault may be clear-cut.
For example, if one driver ran a red light and collided with another vehicle, then that driver would be liable for any damages.

However, in other cases fault may not be so clear.
For example, if two vehicles collide while both trying to overtake another vehicle, then it may be difficult to determine who is at fault.

Understanding how to prove who was at fault in an accident comes down to evidence collection, as soon as possible and as much as possible.

This includes:

  • Photographic and video evidence of the accident scene & vehicles
  • Eyewitness statements
  • Details about injuries
  • Any admission of fault from the other driver
  • A detailed description of how the accident occurred

If fault cannot be determined, then the insurance companies may have to share the cost of any damages. However, if you were not at fault for the accident, then you should not have to pay anything.

Auto Claims Assist can advise you on fault determination and manage your road traffic accident claim if the accident was not your fault.

Auto Claims Assist Are A Non-Fault Road Traffic Accident Claims Specialist

Auto Claims Assist have been successfully specialising in non-fault road traffic accident claims since 2009.

Our leadership team has over 30 years of experience in the accident management market, consisting of every complexity that road traffic accidents create.

Our mission is to support non-fault drivers, after an accident, to get back onto the road as quickly and efficiently as possible; all with as little disruption as possible to their daily lives.

We are a company that is on your side and independent of the insurance companies involved. The benefits that we provide, our efficient service and our dedication to the non-fault driver are all why we’ve established a proud rating of excellent on Trustpilot.

Start a new claim with us today

The benefits we provide for Road Traffic Accident Claims

Protecting Your Excess: Road Traffic Accident Claims, if initiated directly with your own insurer, usually begin with you having to pay your policy excess fee. If the accident wasn’t your fault, this isn’t fair on you. Instead, we avoid the need for an excess fee by processing the claim directly with the other driver’s insurance policy.

Protecting Your No Claims Bonus: Road Traffic Accident Claims, if initiated directly with your own insurer, can result in a temporary or permanent loss of your own no claims bonus and discount. By claiming against the other driver’s insurance, your own policy is left unaffected and your no claims bonus discount is not lost in the process.

Protecting Your Insurance Premiums: Your own insurer will list a road traffic accident claim against your own policy when the claim is initiated directly with them. This generates a pending claim and is likely to increase your next insurance premium. This is another reason why we claim against the other driver’s insurance policy. Avoiding any effect on your own insurance.

Roadside Recovery At No Cost To You: Recovery after an accident can come at a high premium. If you weren’t at fault, we include your accident recovery as part of your credit hire claim; meaning there are no costs for you to outlay and it is instead re-claimed by us from the at-fault party.

A Vehicle Just Like Your Own While Yours Isn’t Drivable: Why should you lose the spec of the vehicle that you require after an accident that wasn’t your fault? You shouldn’t! An insurer will provide a very basic courtesy car. We, on the other hand, provide you with a like-for-like hire vehicle for the entire time your vehicle is off the road.

A Carefully Selected Repair Network: Insurers create an ‘insurer-approved’ network, which can be commonly focused on expense. If it wasn’t your fault, your accident repair service should not be led by budget. We’ve grown our repair network to be nationwide, with over 400+ carefully chosen accident repair centres.

Manufacturer-Approved Repairs Included: Our repair network includes manufacturer-approved repair centres, maintaining your vehicle’s warranty if it is still in warranty and valid.

Secure Vehicle Storage Facilities: While your vehicle is awaiting repair, or in between your vehicle proceeding through the repair and Bodyshop process, it is stored in one of our highly secure vehicle storage facilities. You’re able to have further peace of mind knowing that your vehicle isn’t located where further damages could occur from weather, other vehicles or vandals.

No Cost To You: We claim all of the costs back from the at-fault driver’s policy and all of the costs are covered by ourselves until then; meaning that there is no financial outlay for you to initiate a road traffic accident claim.

A Dedicated Claims Handler: We’re big enough to cope but small enough to care. Rather than you being constantly passed around a large call centre, becoming just another case in the queue, we assign you with a dedicated claims handler. Your handler will always know where your case is up to and will keep you consistently updated as it progresses. A more personal and cared-for experience.

A Fully Managed-For-You Service: Our non-fault expert team take the stress out of road traffic accident claims by managing the entire thing for you. If we need anything from you, or have any questions for you; we’ll communicate and update you. In between this, we handle the rest so you don’t have to.

FCA Regulated: The primary objective of the FCA is to ensure that customer protection is a higher priority than profit. As a regulator, this requires three key operational activities: Authorisation, Supervision & Enforcement. As a claims management company registered with the FCA, you can be confident that our treatment of our customers conforms to the FCA’s strict criteria.

Your first point of contact

Understanding who your first point of contact after an accident should be for road traffic accident claims is important to your experience as a non-fault driver.

What you shouldn’t do:

Contacting your insurer first: If you contact your insurer first directly, your insurance company will swiftly direct you to their own claims line in order to take control of the road traffic accident claim. However, this will open up a claim against your own insurance policy.

The result of this means:

  • You’ll be told you need to pay your policy excess to make a claim

  • You’ll risk losing your no-claims bonus and discount

  • Your insurance premiums are likely to rise on your next renewal

  • Your accident repair may not be at a standard that you’d prefer

  • You’ll be left without a vehicle entirely while yours is off the road, or at best you will have limited access to a basic courtesy car

  • If your vehicle is written off, it’s very likely that your vehicle will be undervalued

  • It’s common for an insurer to refer your case to a chosen accident management company for a fee anyway!

Contacting a solicitor first: Although contacting a claims-based solicitor first may be slightly more beneficial than contacting your insurer, they still aren’t specialists across the whole accident management process. You’ll likely find that they will outsource or refer you to companies who deal with the other phases of the process (such as a credit hire company).

Alternatively, important sections of the process (such as vehicle replacement and Vehicle diminution for example) may be completely skipped over or forgotten about.

The most beneficial first contact for you

Contacting an accident management company first: On the contrary to the above, if the accident wasn’t your fault; we are on your side through the entire process.

We don’t leave any stone unturned.

The accident market established accident management companies as the most beneficial solution for non-fault drivers through road traffic accident claims.

Don’t leave your claim to chance. Don’t settle for anything but the most beneficial option.

Contact our new claims team on 0330 128 1407 today or start your claim now by clicking here.

Thank you for considering us for your road traffic accident claims solution. Our team hopes to speak to you very soon.

Frequently asked questions before road traffic accident claims

What should I do if I’m involved in a road traffic accident?
If you’re involved in a road traffic accident, the first thing you should do is stop and assess the situation. If anyone has been injured, call emergency services immediately. Once everyone is safe, exchange insurance information with the other driver and take photos of the accident scene. If there are any witnesses, get their contact information as well. Then, you should contact a road traffic accident claims specialist like Auto Claims Assist to manage your accident and claim.

What if the other driver doesn’t have insurance?
If the other driver doesn’t have insurance, you may still be able to claim compensation if you have uninsured driver protection on your own insurance policy. If you don’t have this protection, you may be able to sue the other driver directly. However, an accident management company isn’t able to help with this scenario as we require to re-claim all expenses from the other driver’s insurance policy.

I was partly to blame for the accident, can I still claim?
Yes, you can still claim compensation even if you were partly to blame for the accident. However, the amount of compensation you’re entitled to will be reduced in proportion to your level of responsibility for the accident. This may also affect the ability of an accident management company to assist you because accident management services are only available to non-fault drivers.

How much compensation can I claim for a road traffic accident?
The amount of compensation you’re entitled to will depend on a number of factors, including the severity of your injuries, the impact the accident has had on your life, your vehicle’s situation and whether you’ve suffered any financial losses as a result of the accident. Ultimately, it’s best to speak to a road traffic accident claims expert, such as ourselves, to discuss the accident details to find out more.

Do I need a road traffic accident claims expert such as an accident management company?
It’s not compulsory to work with an accident management company and you can instead speak to your own insurer to initiate the claim. However, this is not recommended if you are not at fault because the results that follow aren’t as beneficial. Additionally, non-fault road traffic accident claims specialists are experienced in handling the complexity of non-fault road traffic accident claims and will help your accident claim to be successful and efficient.

What is the time limit for making a road traffic accident claim?
In most cases, you will have three years from the date of the accident to make a claim. However, this may be different if you were a minor at the time of the accident or if the accident occurred abroad.

How long will my road traffic accident claim take to settle?
The length of time it takes for a road traffic accident claim to settle will depend on a number of factors, such as the severity of your injuries and the complexity of your case. In most cases, claims can be resolved within a few months. However, some claims may take longer to resolve.

Will I have to go to court to settle my road traffic accident claim?
In most cases, road traffic accident claims are settled without the need for court proceedings. However, in some cases, it may be necessary to go to court in order to reach a settlement.

How much will it cost me to make a road traffic accident claim?
Road traffic accident claims processed directly with your own insurer may mean you have to pay your excess fee. However, by contacting Auto Claims Assist, we can help avoid an excess fee and there will be no cost to you for our service if you weren’t at fault for the accident.

I was involved in a hit-and-run accident. Can I still claim compensation?
If you were the victim of a hit-and-run accident, you may be able to claim compensation through the MIB. The MIB can provide compensation even if the identity of the driver is not known. However, as an accident management company, we may not be able to assist with our services without identifying the driver who caused the accident. Speak to our team about the accident circumstances to see if we can help.

What is a road traffic accident?
A road traffic accident (RTA) is an incident involving a road vehicle which causes injury or damage to property. RTAs can involve cars, motorcycles, bicycles, vans and trucks. They can also involve pedestrians.

What are the most common causes of road traffic accidents?
There are many causes of road traffic accidents, but some of the most common include:

  • Speeding
  • Reckless driving
  • Texting while driving
  • Falling asleep at the wheel

What is credit hire?
Credit hire allows you to access a hire car if your own vehicle is damaged in an accident. This can be useful if you rely on your car for work or other important activities.