What is a Non-Fault Claim?
A non-fault claim is a type of car insurance claim made when a car accident is not the fault of the policyholder. In this case, the policyholder’s insurance provider can recover the total cost of the claim from the person whose fault it was (known as the liable party). This is the opposite of an ‘at-fault’ claim, which is when the policyholder is liable for damages.
Making a Non-Fault Claim
If you are involved in a car accident that is not your fault, you can make a non-fault claim. The first step is to contact your insurance provider and provide them with all the necessary information about the accident. This includes details of the other driver, the location of the accident, and any witnesses. Your insurance provider will then investigate the claim and contact the other driver’s insurance provider to recover the costs of the claim.
Benefits of Making a Non-Fault Claim
Making a non-fault claim can be beneficial for a number of reasons. Firstly, it can help to avoid any increase in your car insurance premiums. As the claim is not your fault, your insurance provider will not need to increase your premiums. Secondly, making a non-fault claim can help to avoid any legal proceedings. Your insurance provider will take care of the claim and any negotiations with the other driver’s insurance provider. Finally, making a non-fault claim can help to ensure that you receive the compensation you are entitled to. Your insurance provider will ensure that you receive the full amount of compensation for any damages or injuries caused by the accident.
Conclusion
A non-fault claim is a type of car insurance claim made when a car accident is not the fault of the policyholder. Making a non-fault claim can be beneficial as it can help to avoid any increase in your car insurance premiums, any legal proceedings, and ensure that you receive the full amount of compensation for any damages or injuries caused by the accident.