It’s often a tough question that gets asked! Should you make that claim after a car accident? If you were not at fault or in a not my fault car accident, it’s important to consider if liability (or fault) is easy and unequivocally determined. Why? Fault determines who is left with the bill at the end of the day – and the costs can include everything from the damage to the vehicles after the car accident through to lost income.
Often there is a fear of failing at making a claim – but you have the right to drive in a not at fault accident. There are a few courses of action that you can take that don’t involve making a claim – these can be lengthy. While on the other side of the coin, many fear that the potential impact that making an insurance claim will have on their profile.
And there are instances where the damage can seem so minor – that it may seem to be too much effort to go into the effort of it. But where can this leave you?
If you don’t have comprehensive insurance – which usually will cover all forms of damage, even if it was your fault – your insurer will conduct an investigation to determine fault. The not at fault driver may then be entitled to claim under third party property cover. However, there are usually terms stipulated in each insurance policy with regards to this – be sure to carefully refer back to your policy to understand these.
What do we recommend?
Not my fault or not at fault accidents happen – and they can be incredibly inconvenient. But if you are not at fault, it’s important to follow these steps immediately following the accident – these will help with your claim. We’ll take it from there!
- Report the car accident as soon as possible, call the Carbiz team on our accident support line.
- Exchange details with the other drivers involved.
- Collect evidence while on the accident scene.
- All evidence collected will be used in processing your car accident insurance claim. Evidence of your car accident can include photos of the vehicles involved, details of witnesses as well as any of their statements, details of vehicle ownership, driver histories. Make as many notes as possible
- Always be honest