Non-fault claim: What does it mean?

A non-fault claim is when your insurance provider can recover the total cost of a claim from the person responsible for the accident.

Non-fault claim: The long answer

A non-fault claim in the context of car insurance refers to an incident where you are involved in a car accident that was not your fault. This means that another driver was responsible for causing the accident.

In the UK, if you are involved in a non-fault accident, you have the right to make a claim with your insurance company to cover the costs of repairs, medical expenses, or any other losses you may have incurred as a result of the accident.

When making a non-fault claim, it is important to gather all the necessary evidence, such as photographs of the accident scene, witness statements, and the contact details of the other party involved. This information will be helpful when filing the claim and providing proof that you were not at fault.

It's worth noting that making a non-fault claim should not affect your no-claims bonus or increase your insurance premiums. However, it is always recommended to check with your insurance provider to understand their specific policies regarding non-fault claims.

Overall, a non-fault claim is a way for UK drivers to seek compensation for damages and losses incurred in a car accident caused by someone else.