Claiming for Non-Fault Accident
For people who are lucky enough to have never been involved in a non-fault accident, there are several misconceptions about making a non-fault accident claim through your insurance company. You pay your car insurance premium every year so, in the event of an accident, they will take care of you… don’t they? Well, yes…up to a point, but at the least cost and inconvenience to themselves. They are in business to make money and not to care about your well-being. That is why you should use the non-fault accident claims experts.
Here are some of the popular falsehoods about non-fault accident insurance claims:
A non-fault accident won’t cost me anything
When you take out insurance you can get a lower premium by choosing a higher voluntary excess. This is the first part of any claim that the policyholder has to pay whether or not the accident was your fault. So, apart from the financial burden, you will have to spend the time and suffer the inconvenience of trying to claim that back.
After a non-fault accident, no claims bonus won’t be affected
The clue is in the name – “no claims”. Even if it is a non-fault accident claim, unless you have paid extra to protect your no claims bonus, you will lose it meaning a higher premium when you renew your insurance.
There won’t be a non-fault accident insurance increase
A politician once said that “There are lies, damn lies and statistics.” Insurance companies love statistics! Apparently, if you are involved in a non-fault accident you are statistically more likely to be involved in an at-fault accident in the near future, so your insurance premium will increase. (Did you know that 90% of statistics are made up? You might want to think about that for a moment!)
My car will be restored to the condition it was in before the accident
Not necessarily. If you have an older car the insurance company’s assessor might give the go-ahead for repairs on the condition that non-original parts are used. These parts are not made by the vehicle manufacturer, but are copies of a lower quality and therefore cheaper. Also, you don’t get a say in where your vehicle is repaired and not all body shops are made equal. Some less scrupulous repairers cut corners to get more cars through and maximise profits. There are many horror stories of shoddy repairs and dodgy paint jobs!
If my car is a write off I’ll get the full replacement value
You’ll be lucky! The insurance company will offer you a “bottom book” for your car. If you’ve not heard the phrase before, the “book” referred to is generally Glass’s Guide which is the bible of the motor trade. It is used by traders, body shops and insurance companies for vehicle valuations. “Bottom book” is what a dealer would pay for a car to maximise the profit when he sells it on. “Middle book” is what you would get for a car in average condition with average mileage and “top book” is the selling price of a pristine model with low mileage. The insurer will pay as little as possible regardless of the pre-accident condition of your car.
A non-fault accident is stressful and shocking enough without it costing you a great deal of time and money. An accident management company will remove the financial burden from you. They will pursue your claim without it costing you a penny! Their legal team will help you to recoup any losses through the at-fault driver’s insurance company.
If you want to see the typical compensation someone would obtain in an accident, just fill in the simple form below.