If you are found to be not at fault, you'll retain your AAMI Safe Driver status once the claim is settled. Your excess may also be waived. It's very important for you to provide the at fault party's full name, address, and registration of the vehicle.
How does insurance work when it's not your fault?
Your insurance company will pay for your damages, minus your deductible. Don't worry — if the claim is settled and it's determined you weren't at fault for the accident, you'll get your deductible back. The involved insurance companies determine who's at fault.
Do you keep no claims if not your fault?
If you've reported an accident that wasn't your fault and you don't want to make a claim, it shouldn't be treated as a claim by your insurer. However, your no-claims bonus may be affected if they receive a claim from the other driver.
What if you're in a car accident with no insurance but are not at fault in Florida?
The biggest disadvantage in an accident caused by another driver if you don't have auto insurance is you'll most likely have to pay for your own damages out of pocket. This means that you will be personally financially responsible for your losses in addition to any losses you caused a result of your negligence.