No-Fault Accidents Explained: Your Rights & Next Steps

Being involved in a car accident is stressful, especially when it isn’t your fault. Understanding your rights as a driver and knowing what steps to take after a non-fault accident are essential.

In this guide, we’ll talk through the ins and outs of a non-fault accident, and what you should do if you have one.

What is a No-Fault Accident?

A no-fault accident happens when you’re involved in a car accident that wasn’t your fault. If the other driver caused the accident, and you were not responsible, this is classed as a non-fault accident.

In such cases, you shouldn’t have to bear any legal or financial responsibility for what happened. The at-fault driver’s insurance company should bear the costs. This includes vehicle repair costs, compensation, medical expenses and any other loss.

Your Rights As The Victim

As the victim of a no-fault accident, you are entitled to:

1. Vehicle repair/replacement: If your car is damaged or written off, the at-fault driver’s insurance company should cover the repair/replacement.
2. Courtesy car: You may be eligible for a like-for-like replacement vehicle, whilst yours is being repaired.
3. Personal injury: If the accident has caused you injuries you can claim compensation for things like medical expenses and loss of earnings.
4. Legal help: You are entitled to seek legal support, to help you navigate the claim. You might want to contact an accident management company. Accident management companies help non-fault drivers handle insurance claims, ensuring compensation is fair.

What to Do After A No-Fault Accident

Taking the right steps after the accident can help your claim.

• Contact the emergency services if your crash is putting other drivers at risk, or if someone involved needs medical help
• Take video and photo evidence at the scene, clearly showing any damage and the surroundings
• Collect witness statements and contact details
• Exchange information with the driver, collect name, contact details, registration number and insurance details
• Contact an accident management company who can help you navigate the claim

We have been helping accident victims get back on the road since 2009. Strategically based in Stratford, London, a stone’s throw away from the famous Queen Elizabeth Olympic Park we supply replacement vehicles throughout London, and across the entire UK. Although we can provide any type of replacement car, we have a particular niche in helping minicab, chauffeur and taxi drivers get back on the road after an accident.

Our ethos is simple: If you are involved in a non-fault accident and need a replacement vehicle we are committed to replacing any car, anytime, anywhere.