Non Fault Car Accident Advice

FREE advice on your rights following a no fault car accident

Non-fault accidents – how do they affect your premium?
Some insurers’ data shows that drivers who were in an accident that wasn’t their fault are more likely to be in an accident again that is their fault in the next few years.

That’s why if you’re in a non-fault accident, your car insurance premium might rise at renewal.This is why re recommend using our Accident Management service as this will avoid this happening as we claim directly off the 3rd Parties insurance on your behalf. 

If you think it’s not your fault but it’s not immediately obvious, there’re a few things you can do to help back-up your claim.

• Swap details with the other driver.
• Take pictures of the damage to both cars and the surroundings. Do this before the cars are moved.
• Take down names, addresses and phone numbers of any witnesses. The accident management team or your insurance company might need to contact them if there’re any questions over who’s liable for the accident.

After a no fault accident

• Ensure your vehicle is roadworthy before you drive it again. For example, check that the lights still work, there is no dangerous bodywork that may injure other road users and there are no leaking fluids.
• Avoid speaking to the 3rd Parties insurance company follwoing the accident, they will just be trying to find the cheapest option for them to get your car repaired. Often invalidating your cars warranty and not being done in line with Thatcham or Maufacturer approved methods of repair. These methods are essential as they ensure your car maintains its safety rating and maufacturers bodywork warranty. 

Choosing your repairer
Remember it is your vehicle and you can choose who repairs it. Many insurers have networks of their ‘’approved’’ repairers, they may try and convince you to have your car repaired where they choose. Remember this is for their convenience not yours. Many are not British Standards or Manufacturer approved they are simply willing to work to the cheapest rates. Sandown Coachworks are British Standards BS10125 certified to the highest level available in the UK as well as holding many Vehicle Manufacturer Approvals. 

Don’t be unduly influenced by insurers suggestions of delays and extra costs if you don’t do what they say. You are entitled to consider the benefits of dealing with the repairer of your choice. You are not obliged to have your car repaired at an insurance company nominated repairer.

How do you know you have a no fault claim ?
How do you know if the accident wasn’t your fault? There are several common no fault accident scenarios:

• You are stationary at lights or a roundabout and another driver runs into your car from behind.
• You are driving along a main road and another vehicle pulls out of a side turning into your car.
• You are parked and another vehicle hits your car.
• You are going around a roundabout and another driver pulls out and hits your car.
• You are at the Supermarket and another driver hits your car whilst you are parked.
• You are dropping the kids on the school run and another driver reverses into your car whilst stationary.

More often drivers know when they were not at fault for an accident. If in doubt whether you have a no fault claim, please call us – Sandown Coachworks Accident Management Team on 01932 240 471 – and we will assist in any way we can to get the situation resolved.

Benefits of using Sandown Coachworks Non Fault Accident Management Service

• We handle the claim from start to finish removing any stress. No hassle, no need for your to make your own arrangements or pay bills.
• No excess to pay when repairs complete
• No need to claim on your insurance policy, will not effect your insurance premiums
• Like for Like hire vehicle, even 4x4s, Taxis , Sports, Prestige or Supercars provided if your vehicle is un-driveable and whilst in for repairs   
• Expert advice and help available for all aspects of your claim
• Fully funded high quaility repairs to your vehicle, completed to manufacturer and / or British Standards / Thatcham Standards 
• Assistance and Advice on Personal Injury Claims, Out of pocket expenses / Loss of earnings.
• Sandown Coachworks Accident Management works in partnership with Kindertons Accident Management, they are a leading provider of accident aftercare and mobility solutions and since the business started in 1993 they have helped more than 300,000 people get back on the road and recover costs after an accident that wasn't their fault.

CALL Sandown Coachworks Accident Management Team on 01932 240 471