What is a non fault claim?

Posted on

2020 has been a difficult year for many, but it’s also a great time to start thinking about car insurance. One of the most important things to understand is the difference between a non-fault and an at-fault claim. Knowing the difference between the two can help you make the right decisions and save money on your car insurance.

A non-fault car insurance claim is one you make when a car accident isn’t your fault. If that’s the case, your insurance provider can recover the total cost of a 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 you are liable for damages.

The main benefit of a non-fault claim is that it doesn’t affect your no-claims bonus. This means that you can still get a discount on your car insurance premiums, even if you have been involved in an accident that wasn’t your fault.

It’s important to note that non-fault claims are only applicable in certain circumstances. For example, if you are involved in a hit-and-run accident, you may not be able to make a non-fault claim. In these cases, you will need to make an at-fault claim and your no-claims bonus will be affected.

If you are involved in an accident that wasn’t your fault, it’s important to get all the information you can about the other driver. This includes their name, address, phone number, and insurance details. You should also take photos of the scene and any damage to your car. This will help your insurance provider to process your non-fault claim quickly and efficiently.

It’s also important to remember that non-fault claims can take longer to process than at-fault claims. This is because your insurance provider needs to contact the liable party’s insurance provider and negotiate a settlement.

Overall, understanding the difference between a non-fault and an at-fault claim is essential for getting the best deal on your car insurance. Knowing when to make a non-fault claim and when to make an at-fault claim can help you save money and ensure that you are covered in the event of an accident.

Leave a Reply