What happens if I am not at fault for a car accident?
If you’re involved in a motor vehicle accident through no fault of your own and your car is damaged or written off, you have several options of receiving a payout from a car insurance claim. When would I not be at fault for a car accident? In the field of car insurance, liability is considered exclusively in relation to motor vehicle accidents.
Can you pay excess for a car accident that is not your fault?
Paying excess for a car accident that isn’t your fault. When you pay the excess for a car accident which isn’t your fault, you may need to claim this back from the insurance company of the driver who caused the accident once the claim is settled, if you don’t have legal expenses cover to pay this for you.
What happens if I make a car accident claim?
In most cases, if your insurer agrees that the accident was caused exclusively by the other driver, you will not be penalised even if you make a claim. However, you can end up paying a higher premium if your insurer pays out when it wasn’t your fault (for example, an unknown car scrapes yours in a car park and drives off).