Replacement Vehicle After Not At Fault Car Accident

Every year, tens of thousands of Australian motorists are involved in vehicle accidents, so you’re right in wondering “what happens if I need to make a car insurance claim that is not my fault?”. Below you’ll find five important things you need to know in advance.

Know your rights

Motor accidents are stressful and the possibility of finding yourself stranded without a vehicle only adds to the stress. The first thing you need to know is that you’re entitled to a replacement car, which we provide to you at the cost of the at fault insurer. And remember: replacement vehicles should be of at least similar standard as your car.

Contact the authorities

Although tensions may be running high right after an accident, you only need to contact the police if the other driver refuses to provide their details. When contacting the police, make sure they give you a Police Event Number, which you’ll need to submit to your insurer and keep for your record.

Capture all the details

After the initial shock it’s normal to experience some confusion, but this is the time to gather details from the at-fault driver, including name, address, vehicle make, model, year, and registration number, and their insurer’s name. Be sure to look for witnesses and take their statements and contact details. You should also make a note of the circumstances surrounding the accident, including time of the day, lighting and weather conditions, how was the traffic at the time, and anything that may help determine the cause of the accident. Capture as many details as possible in writing and using photographs, and don’t forget to draw a diagram and keep it for your records: insurance claim forms may ask you to provide one and it’s always more accurate to rely on information taken at the time of the accident.

If things go wrong

In some cases, the insurance company repairing your car whether your own insurer or the at fault insurer may make the process fairly difficult for you and you may believe that you are being unfairly treated. If this happens, you may need to resort to the Internal Dispute Resolution department (IDR) of that particular insurer so that they may have a look and see what their team has done and make sure that they are complying with all that is required.

Should you claim?

“Should I pursue a car insurance claim that is not my fault?”, you may wonder. In cases where you’re not at fault, you should always have a professional panel beater assess the damage to your vehicle as in many instances a lot of the damage may not initially be visible to the untrained eye or may in fact be underneath your plastic bumper bar for instance. Until someone actually looks underneath you will not know the extent of the damage. It’s always best to have any damage whether big or small attended to.

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QUALIFYING FOR A REPLACEMENT CAR

Basically if you find yourself saying it wasn’t my fault after an accident you were involved in then under Australian Law you are entitled to a replacement car. Insurance companies don’t readily advertise this given the fact that they will be the ones paying for the costs incurred.

The simplest, most convenient way to ensure you get what you’re entitled to without incurring any unnecessary costs is to use the quick online service provided by Not My Fault so that our team may endeavour to get you into the appropriate vehicle as soon as possible.

VEHICLES WRITTEN OFF

If you weren’t at fault in the accident and your car has been written off you are still entitled to a replacement car. You can still apply online and you will be advised as to how long you can have the replacement car for.

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Types of vehicles

There are many cars across most categories that we can get you into Australia wide. We place you in like for like vehicles meaning that 4WD owners can be given a 4WD, tradies with a Utility vehicle or Van can have the same so that their working life continues.

If you have a smaller car we will put you in a compact vehicle. All vehicles provided will be late model vehicles.

REPLACEMENT CAR INSURANCE

All replacement vehicles provided to you come with comprehensive insurance for your peace of mind. In the unfortunate event that you have an accident in the replacement car you will be covered.

If the accident isn’t your fault be sure to obtain other person’s licence details, registration of their vehicle and phone number and provide to team members who supplied you with car.

We operate under Australian law

If you find yourself saying it wasn’t my fault after an accident you were involved in then under Australian Law you are entitled to a replacement car. Insurance companies don’t readily advertise this given the fact that they will be the ones paying for the costs incurred.