What do you do when you are involved in a non-fault accident?
None of us expects to be involved in a non-fault accident, so it’s not something that we prepare for. But it can happen to anyone at any time, and until it’s happened to you, you don’t know how you will react, and that can also depend on the circumstances. We would all like to think that we’d keep a clear head but an accident is one of the most stressful things that can happen to us and shock affects different people in different ways.
Think about it; one moment you’re going about your business, maybe on your way to work or a meeting, taking the kids to school or just heading for the shops, then somebody runs into the back of your car. Suddenly, your plans have gone out the window and your day is ruined. You are faced with the other driver who is also stressed and might be trying to blame you, possibly aggressively. Depending on the severity of the incident, the police may have been called and will be taking statements. What are you supposed to do?
Would you just call your insurance company and expect them to deal with it at no cost to you? That’s not how it works. Do you know your rights when claiming for a non-fault accident? Well, your insurance company is not going to volunteer that information as they want to deal with your claim as cheaply as possible. They are not concerned with the inconvenience you are suffering.
However, you are entitled to a like for like replacement vehicle you, can have your car independently assessed, and your vehicle can be repaired where you choose. An accident management company will have your interests at heart and ensure that your rights are respected. They will also help you to claim any out-of-pocket expenses so that the non-fault accident won’t cost you a penny.
We don’t like to consider it, but there are many thousands of car accidents in the UK every year so, in reality, it’s not that unlikely to happen to you. Wouldn’t it make sense for you to be prepared? When you are in a non-fault accident, why not have the necessary information to hand? For instance, keep the details of an accident management company in your glove compartment. Then, when the worst happens, call the accident claims helpline straight away, and they will take much of the stress out of the situation for you.
If your car is not driveable, the friendly accident claims experts will arrange to have it recovered and provide a like for like courtesy car to get your day back on track as soon as possible. While you get on with your life they will deal with all aspects of your claim and all the costs will be borne by the at-fault driver’s insurance company.
We hope to never have an accident, but being prepared for it will make it a lot easier to deal with. You can even check how much compensation you typically would achieve by filling in the simple form below.