Car accidents are always stressful and difficult to deal with – but if the accident was not your fault, how should you handle the situation and make sure you aren’t inconvenienced during such a challenging time? Read on to discover whether you need to go through insurance in a not at fault car accident.
Not at fault car hire
If you are in a car accident that is not your fault, you will still need to access a replacement vehicle. If your car needs to go in for repairs, these can soon add up and you will be without a vehicle during this time.
Should I inform my insurance company?
When you are in an accident, you will still need to inform your insurance of what has occurred. Whether or not you are deemed to be at fault will be determined by your insurance company, and the insurance company of the other driver, carrying out a thorough investigation. If you are indeed not at fault, you will be able to make a claim that reflects this, rather than an at-fault claim. In this case, you will be able to make a claim through your insurance that will then be paid for by the other party.
Third-party related accidents
There are some circumstances where, even if the accident is not your fault, you may still need to make an at-fault claim through your insurance. This is if neither you nor the other driver is deemed to be at fault, such as if a third driver was responsible but drove away. This causes you and the other driver to be liable for your own claims.
After a not at fault accident
Make sure to exchange details with the other person involved in the accident so that their insurance company can cover the cost of your repairs and your replacement. This is their responsibility, rather than the responsibility of your own insurance company.
After an accident which was not your fault, make sure you get the best treatment available. You should get a like for like vehicle replacement to make your driving smooth. With Not My Fault, we can have a high-quality car delivered to you so your life can go back to normal as quickly as possible.
