How to Claim Car Insurance When You Are Not at Fault?
“Vehicle collisions are stressful” is an understatement, especially when you are involved in a not-at-fault car accident. The entire experience can be traumatic and stressful. It takes an emotional toll and can leave you feeling overwhelmed. Moreover, you have to deal with claims and other formalities.
When you are not responsible for the incident, you can claim the repair cost and other expenses from the other driver involved. In this blog, we will explore what a no-fault accident is, how car insurance can help you, and other things. So, let’s dive into it.
What is a No-fault Accident?
A no-fault accident refers to a situation where you are involved in a collision that wasn’t your mistake. The insurance companies deal with these cases differently. Here, the liability falls on the other driver and they should cover the cost of towing and repairs.
As a victim, you can recover the entire cost of repairs against the other driver’s insurer. Moreover, you are entitled to a “like-for-like accident loan car” as a replacement while your vehicle is being repaired at the auto workshop. It helps you maintain your usual level of mobility and convenience.
How to Determine Who is at Fault in an Accident?
During an accident, whether guilty or not-, ensure you and other people concerned are safe. If someone is seriously injured, call emergency services for help. Once you know everyone is safe, thoroughly evaluate the situation to determine responsibility.
Usually, to figure out who is responsible for a major or minor collision, insurance agencies depend on:
Police Reports: Law enforcement officers who respond to the accident scene will create an official report. This document often includes their assessment of what happened and may indicate who they believe is guilty.
Running Red Light: If the other driver violates traffic laws leading to an accident, it indicates liability.
Types of Accidents: Certain types of accidents have presumed responsibility. For example, in rear-end collisions, the driver who hit the car in front is usually considered liable.
Witness Statements: Accounts from impartial witnesses can provide valuable information about how the accident occurred and who may be at fault.
Photographic Evidence: Pictures of the accident scene, including vehicle positions, damage, and road conditions, can help establish accountability.
Dashcam Footage: If available, video evidence from dashcams can serve as evidence of how the incident unfolded.
Admission of Fault: Sometimes, a driver may admit their wrongdoings and accept responsibility for the collision.
How Does it Work?
If you are involved in a car crash not at fault, you have to follow a specific procedure. It ensures your insurance claim is handled properly. Here’s a step-by-step guide on what to do:
Report the Incident: Irrespective of the severity, you must report the accident to law enforcement.
Document the Scene: Take photos of the damage and accident scene. Also, gather contact information from witnesses.
Exchange Information: Obtain the other driver’s name, contact details, and other information.
Do you have a question in mind like “Do you have to pay excess if not at fault? Well, if you cannot provide the name and other specifics of the responsible driver, you may have to pay the excess.
Notify Your Insurance Company: Report the accident to your insurer, even if you’re not accountable for the incident.
File a Claim: Once you notify your insurance company, you can initiate the claims process with them. They will guide you through the necessary steps and documentation.
Cooperate with Investigations: Your insurer may investigate to determine fault and you need to provide all requested information promptly.
Get Repair Estimates: It’s important to obtain quotes for vehicle repairs from approved mechanics or body shops.
Get in Touch with Experts at Autobody Prestige Melbourne
Are you wondering, “What to do when a minor car accident is not my fault?” When you are involved in an accident, you need expert help from a renowned professional – irrespective of its severity. Insurance professionals and legal experts can guide you through the claim process.
When you are involved in a not-at-fault car accident, feel free to contact us for help with claims. You can count on Autobody Prestige Melbourne for guidance and to discuss your options. Call us on 1800 002 276 or email at [email protected] to know more.
