What should you do when you are involved in a
As soon as a collision takes place with another driver, you should follow these steps to ensure you are protected and can make an insurance claim against them:
What counts as
Any damage suffered to your car as a result of an at-fault or non-fault accident is classed as an insurance repair. This can include repairs to the vehicle’s bodywork, as well as any mechanical issues that will affect the performance or roadworthiness of the vehicle.
What are your rights in a
- Whether you have been affected financially or physically by another driver, it is your legal right to be protected against any loss you suffer as a result.
- You are entitled to a like-for-like replacement vehicle whilst yours is undergoing repairs.
- If your vehicle is written off, you are entitled to receive the equivalent value of the vehicle in its condition prior to the accident.
- The third-party insurer is liable to pay for any financial losses including the cost of repairs and loss of wages if you are unable to work as a result of the collision.
- You can also make any claims for personal injury with the insurer.
Will a non-fault claim affect
When making a claim on your own insurance, it is important to remember that once you speak to your insurer regarding the accident, you will need to make a claim on your own policy and will therefore have to pay the excess immediately. You may get this back at the end of the process if the third-party insurer admits liability. However, contacting us at SW Automotive first will allow us to deal with the claim on your behalf, saving you the stress of the process. We go above and beyond to ensure you do not end up paying out increasing premiums and excess payments as a result of an accident you didn’t cause.