Not my fault – here’s what you need to know about insurance claims

Fault of a car accident determines liability – so what happens if you are not at fault? The at fault driver, or his insurance company, is liable for the costs resulting from a car accident. Here are a few frequently asked questions about insurance claims if you were not at fault.

What should I do immediately following the car accident?

Being in an accident is scary – especially if you are unsure as to what to do immediately following the accident. We’ve put together a list of things to follow, but here is a quick recap

  • Document the accident scene by collecting evidence and taking photos. A few key pieces of information you need from the other driver(s) include their name, surname, address, insurance company, registration details and details of the vehicle owner (especially if this is a different person to the driver).
  • Take note of the time of the accident, where it happened, and what the traffic, lighting and weather conditions were.
  • It’s important to report your car accident within 24 hours, so if there were no police at the scene of the accident you will have to visit your local police station to do this.
  • If your car can no longer drive and needs to be towed, you will need to contact a tow company and stay on scene until they arrive. It’s a great idea to keep the details of a trusted and reputable towing company saved as a contact on your phone – or even better, contact Carbiz Assist as soon as possible and let us help you.

What happens after you make the claim?

Contacting Carbiz immediately following your car accident allows us to help you with everything – including managing your insurance claim for you. You will need to provide all the details of your car accident as well as that of the at fault driver, and we will take it from there. We will also make sure that as the not at fault driver, you get a like for like accident replacement vehicle. 

The driver at fault is not insured, now what?

The team at Carbiz will handle your insurance claim – the at fault driver, or their insurance company is liable for the costs. 

Do I need to pay any excess if the car accident was not my fault?

If you are not at fault in the car accident, then no, you will not have to pay any excess. As we mentioned, the costs are for the at fault driver’s account. You will need to provide the details of the other driver for us to be able to process your claim.

What happens if there is a dispute?

If any dispute over who caused the accident occurs, we will manage it on your behalf.