In a non-fault claim, the driver who was not at fault has 2 options. They can either go directly to their own insurance company to start the claim, or they can work with a credit hire company (also known as an accident management company).

If the driver goes directly to their own insurance company, they may have to pay their excess and their insurance premiums may rise.

However, by working with an accident management company, they can avoid their excess, avoid their insurance being affected and can have their full claim managed by non-fault experts. All at no cost to the non-fault driver.

If you claim directly with your insurance company, it’s likely that your insurance will go up. This is often to do with a ‘pending claim’ which gets attached to the non-fault drivers policy. This results in your insurance going up on your renewal. To avoid this, non-fault drivers work with Accident Management Companies. This way, non-fault drivers leave their own insurance policy unaffected during the non fault claim.

Insurance companies make non-fault driver’s pay their excess up-front on a non-fault claim because the claim has not yet concluded liability of the accident. A non-fault driver can avoid paying their excess on a non-fault claim by working with an Accident Management Company first instead.

It’s a high possibility that a driver who wasn’t at fault can lose their no claims if they claim directly with their own insurer after a non-fault accident. This is because their own insurer will open a claim against the non-fault driver’s own policy. This can all be avoided by working with an accident management company. An Accident Management Company claims directly from the at-fault driver’s insurance policy instead; leaving the non-fault driver’s policy un-touched. As a result, avoiding the loss of your no claims if it wasn’t your fault

Every insurer is different. A claim against your own policy can range from 2 years, all the way through to a full loss of a driver’s no claims. However, if you work directly with an accident management company, your no claims will not be affected. This is because we claim directly against the at-fault driver’s insurance policy.

A ‘non fault accident’ is when a car accident occurs that involves 2 or more vehicles but is caused by a particular person(s), leaving at least 1 person not at fault. The individual(s) who was not at fault for the accident is who is deemed to have had a ‘non at fault accident’.

The individual who was not at fault is entitled to a different process, known as a non fault claim. In this, they would contact an accident management company to claim directly against the other driver’s insurance policy.