How To Claim After A Non Fault Car Accident
How To Claim After A Non Fault Car Accident
In this article we will cover the topic of how to claim after a non fault car accident, and specifically the process involved, the information required to claim for non fault car accident, and what are your rights and entitlements. We will also cover how to claim directly from the at fault insurance company without using your own insurance company and the benefits in doing so.
Need to claim after a non fault car accident? Visit our vehicle claim page or call Compass Hire. Visit our Legal page for further information on your rights and entitlements to claim after a non fault car accident.
Had A Non Fault Car Accident And Want To Know How To Claim?
Firstly, what information is required to make a car insurance claim from the at fault drivers insurance without involving your own insurance company. You will need the details of the at fault vehicle and its driver, so take the following details:
- Vehicle Owner Name
- Vehicle Driver name
- Addresses
- Vehicle Registration Number
- Insurance Company Name And Policy Number
- Take Picture Of Accident Scene If Possible
24hr Help: 0800 321 7320
What Is Next In The Non Fault Car Accident Claim Process
Once you have all the information you have two options, try to contact the at fault insurance company directly, report the accident and see if they will deal with you directly. Alternatively contact a company like Compass Hire, provide the claim details, and instruct them to provide a direct third party claim service together with any other services you may require, a like for like courtesy car for example.
When claiming directly you will not involving your own insurance company, this means you will have no policy excess to pay, you can protect your claims history and preserve any no claims discounts. You will also have full choice over your vehicle claim, who will repair your vehicle , write off values are agreed by you not the insurance company. Essentially it is entirely your choice what happens to your vehicle as it remains your property throughout the process.
You will also benefit from a guaranteed courtesy vehicle that will be provided on a like for like basis. You will keep the courtesy vehicle until your own vehicle claim is settle or your vehicle repairs are completed.
Vehicle Inspection
Once you have decided upon your best claims route the next stage is your vehicle inspection. To make the claim for your vehicle an independent engineer will be required to assess your vehicle and produce a detailed report. The report will cover the vehicles pre accident value and full costs of any repairs. Upon receipt of the report you will need to agree the report findings, or quickly agree any amendments on the report to enable it to be submitted to the third party insurance company. Reports should be completed and submitted within 7 days of the accident to ensure no contestable delays are incurred.
With report agreed and submitted to the third party insurance company you may now want to look any any other losses you may have sustained as a direct result of the accident, these may include but are not limited to, loss of earnings, property damage in the vehicle, any injuries or medical expenses, travel costs, replacement vehicle hire charges, out of pocket expenses. If wanting to claim for these types of losses you will need to provide evidence to support the claim for the loss. Evidence such as purchase receipts, invoices and bills, photographs of damaged items or medical reports. All these should be collected and submitted to the at fault insurance company.
For independent advice on how to claim after a non fault car accident click on this link to th UK Governments Citizens Advice page for full independent consumer advice on claiming after a non fault car accident and using a credit hire company like Compass Hire.
How Long Does A Non Fault Car Insurance Claim Take To Settle?
The time taken to process and settle a non fault car insurance claim depends upon which aspect of claim is being considered. Vehicle claims for written off vehicles often take between 2 to 4 weeks. Vehicle repairs are usually authorised within 3 weeks.
For loss claims you can request interim payments be made for each head of claim, injury claims often take a minimum of 6 months but should take whatever time frame is appropriate to the severity of the injury, they key thing here is to ensure the injury prognosis is correct and your best recovery is the focus of the claim.
Car Claims And What Are Your Rights After A Non Fault Car Accident?
If the accident was not your fault then you have full choice over the claim route. It is your property that has been damaged, not the insurance companies and therefore you decide what is best for you.
1. You not have to claim with your insurance company.
2. Your vehicle can be repaired at whichever repair centre you choose.
3. You are entitled to like for like courtesy car after the accident until your vehicle claim settlement is made or your vehicle is fully repaired and returned to you.
4. Post non fault accident services should be provided at no cost to you.
5. You can claim for any financial loss you incur as a direct result of the accident, these cost are fully recoverable.
6. Your Damage vehicle remains your property, if you which to keep the damaged vehicle it is your choice to do so.
7. You can repair a written off vehicle if the category of write off allows this.
8. You can and should dispute any increase in insurance premium charged by your insurance company if the accident was not your fault. If they insist on charging simply move to a insurance company that do not charge people for non fault accidents.
Want to know more about your rights an claim entitlements after a non fault car accident visit Legal Page.
To Make A Direct Claim From The At Fault Drivers Insurance Company Contact Compass Hire:
24hr Help: 0800 321 7320
Request An Immediate Call Back:
Do I Have To Claim With My Insurance Company If The Accident Was Not My Fault?
No, your vehicle is your property and it is entirely you choice who processes you claim. Consider all options and select the claim service that meets you requirements. For independent advice on claiming after a non fault car accident without using your insurance company please visit this link to the UK Government Citizens Advice page for full independent advice on claiming and using a credit hire company like Compass Hire as an alternative claim service to your insurance company.
For more information on how to claim directly off the at fault drivers insurance company visit our how to claim without using my insurance company page.
What Are The Cost Involved In Claiming After A Non Fault Car Accident
If you decide to use an independent company like Compass Hire you will have no charges or costs to pay. Visit our vehicle accident claim page for further details. If you want to claim directly from the at fault insurance company directly yourself you may incur the cost certain costs, for example you will need a vehicle engineers report to independently value your vehicle or its repairs. However the costs should be recoverable from the at fault insurance company
Do I Have To Claim On My Insurance If The Accident Was Not My Fault?
No. Independent vehicle claims and courtesy car services like Compass Hire can provide you a no cost alternative to claiming with your insurance company. You could also try to claim yourself directly from the at fault insurance company. To learn more about your legal claim rights and entitlements after a non fault car accident visit our Legal Page or visit our page How To Claim After A Non Fault Car Accident.
How Do I Get The Insurance Details Of At Fault Party?
If you have the vehicle registration number of the third party vehicle we can obtain full owner and insurance company details if we are dealing with the claim. If you want to process the claim yourself visit the website askmid and request vehicle insurance information.
What Happens When A Non Fault Car Accident Claim Is Disputed?
When a claim is disputed by the partys involved if is for the claims service or insurance company to provide evidence to confirm liability in the favor or in particular favor of their represented partys. If no supporting evidence is available claims can settle on a 50/50 basis meaning each party can only recover 50% of their loss.
Claim After Non fault Car Accident
Need to claim after a non fault car accident? Compass Hire provide full vehicle claims services together with like for like temporary replacement car hire after the accident. As you now understand it is entirely you choice which service you decide is best to use after the accident. Compass Hire can arrange post non fault accident car hire and courtesy cars delivered to you directly. We can also arrange immediate vehicle damage inspection, valuation and arrange your vehicle repair to a garage of your choice.
Further details on non fault car accident claim services can be found on the following pages:
- Accident Car Hire
- Post Non Fault Accident Courtesy Cars
- Car Accident Claims
- Car Accident Car Hire and Vehicle Claims
24Hr Help: 0800 321 7320