At-fault and non-fault insurance work

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What is

Non-fault insurance work is carried out when you are involved in a car accident caused by another driver. When arranging to repair your car, you must go through the process of contacting the third-party insurer to make non-fault accident claims. It is important to follow numerous steps to ensure that your no-claims bonus is unaffected, and you receive the best quality repairs for your vehicle. Despite the fact that the insurer may wish to use their approved repairers, you have a legal right to decide where you have the work carried out, so it is important to bear this in mind.

When is

When a collision with another driver takes place that wasn’t your fault, you must declare a non-fault accident and contact their car insurance company to make compensation claims for any physical and financial damage caused. The third-party insurer will then cover the costs of repairs to your vehicle and should provide you with a courtesy car in the meantime. This will then cause the at-fault driver to lose their no-claims discount and their insurance premium may increase.


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:


Collect the details of the other driver involved, including their name, address, and registration number.


Begin the claims process by contacting the third-party insurer and detailing the damage caused to your vehicle, you may wish to seek legal advice for any personal injury claims you wish to make.


The third-party insurer may suggest an approved repairer. However, you are able to identify your own garage. This may be more suitable for your location or somewhere you have used in the past.


It is important to remember that you have a legal right to opt for a garage of your choice, regardless of what the insurance company suggests.


You should be supplied with a courtesy car equivalent to yours whilst your vehicle is being repaired.

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 mechanical repairs are covered under

Mechanical repairs cover anything related to the main components of your vehicle that have been damaged in the accident. This includes the engine, transmission, brakes, steering, exhaust, and power system.

What bodywork repairs are covered under

Bodywork repairs cover any areas of your vehicle’s exterior that have been damaged, which includes dents, scuffs and scratches, bumper repairs or replacements, and any paint damage caused by the collision.


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.

How can SW Automotive help with the

Here at SW Automotive, we manage the claims process on your behalf. The expertise of our team means we get to work on repairs whilst also getting in contact with the third-party insurer. We take care of any car accident claims on your behalf, liaising with the insurance company and informing them of your decision to have your repairs carried out by us. We also provide you with a like-for-like replacement vehicle for the duration of the repairs process so that no inconvenience is caused.

It is important that you are awarded the rightful value of your vehicle and any amount of damage caused by the accident, so our team go above and beyond to ensure that you receive what you are entitled to.



Our specialist

As well as taking care of your insurance claim, our team can carry out comprehensive repairs to your vehicle in order to return it to you in its best possible condition. Our mechanical repair services cover everything related to your car’s key components, ensuring that it will pass any future MOT inspections. We can also carry out complete body repairs to repair any dents or scuffed paintwork and leave your exterior in flawless condition. We follow a specific process to carry out the repairs to the highest possible standard, keeping open communication with you so that you are well informed on the work we are carrying out and you are aware of when the work will be complete.

Speak to our team

If you have been involved in an at-fault or non-fault car accident and you are unsure of what to do next, give our experts at SW Automotive a call. We can manage the claims and repairs process on your behalf, taking the stress off your shoulders and returning your vehicle to you in the previous condition it was before the collision. Give us a call on 01959 576 827 or email to find out more.