What Is a Non-Fault Car Accident?

An accident where another identifiable driver is responsible for causing the collision.
In this situation, you do not need to claim on your own insurance. The other driver’s insurer pays for the costs. Simple Claims can take care of the process and deal with the insurers on your behalf.

What Does “Non-Fault” Mean?

The term "non-fault" means you are not to blame for the accident. So you will not be legally bound to pay for any damages resulting from accidents.

Common examples of non-fault include:

  • Another driver runs a red light and hits your vehicle.
  • A driver merges into your lane and causes a collision.
  • A speeding or distracted driver causes an accident with you.

If another driver made the error, the accident is usually non-fault.

How Is Fault Decided?

Fault is decided by insurers based on evidence.

This may include:

  • Statements from both drivers
  • Photos of the damage and the scene
  • Dashcam or CCTV footage
  • Witness details
  • Police reports, if available

You do not need to prove fault before contacting your accident claims management company. If you’re involved in an accident anywhere in London, Simple Claims can start managing your claim immediately.

What Are You Entitled to After a Non-Fault Accident?

If you were involved in a non-fault accident, Simple Claims can help you access a full range of services at no cost to you.

Roadside Recovery

If you have been in an accident in London, Simple Claims can arrange roadside recovery directly from the accident scene.

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Vehicle Storage

If required, secure vehicle storage is arranged while your claim is assessed and until repairs begin.

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Replacement Vehicle

If your vehicle is not drivable, you are entitled to a like-for-like replacement vehicle while your car is being repaired.

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Roadside Recovery

Simple Claims can arrange high-quality vehicle repairs through our trusted in-house repair centre, ensuring your car is restored to a safe and roadworthy condition.

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Vehicle Storage

If you have suffered an injury, including whiplash, Simple Claims can provide full personal injury support by connecting you with qualified medical and legal professionals to manage your claim and recovery.

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Start Your Recovery Today

Contact our team now and let us manage your car accident claim while you get back to normal life.

Start Your Claim

All costs are recovered directly from the at-fault driver’s insurer.

Do I Need to Contact My Insurance First?

No. You are not required to contact your insurer after a non-fault accident. Many drivers choose to use a car accident management company instead.

Using Simple Claims helps you avoid:

  • Paying your policy excess
  • Losing your no-claims bonus
  • Dealing with insurer delays

We deal directly with the at-fault insurer on your behalf.

What Should I Do Immediately After a Non-Fault Accident?

  • Make sure everyone is safe
  • Exchange details with the other driver
  • Take photos of the vehicles and the scene
  • Contact Simple Claims as soon as possible

Early contact allows us to arrange recovery and a replacement vehicle quickly.

How Simple Claims Helps

Simple Claims works as a car accident management company to provide a 24/7 accident recovery service across London.

We provide:

       Accident support

       Roadside recovery

       Replacement vehicles

       Repairs and storage

       Injury claim guidance

We manage the full process and keep you informed throughout.

Need Help After a Non-Fault Accident?

I f you’ve been involved in a non-fault car accident in London, speak to our team today. We’ll explain your options clearly and start managing your claim straight away.

Frequently Asked Questions

What is a non-fault car accident?

A non-fault car accident is where another identifiable driver caused the collision and their insurer is responsible for the costs.

How is fault decided after an accident?

Fault is decided using evidence such as driver statements, photos, dashcam footage, witness details, and police reports.

Can I start a claim before fault is confirmed?

Yes. You do not need to prove fault before contacting an accident management company.

Do I need to use my own insurance after a non-fault accident?

No. You are not required to claim through your insurance if the accident wasn’t your fault.

What am I entitled to after a non-fault accident?

You may be entitled to roadside recovery, a replacement vehicle, repairs, vehicle storage, and personal injury support at no cost.

Ready to Get Back on the Road?

With over 20 years of experience, 600+ replacement cars, and a dedicated in-house team, we make the process simple, fast, and stress-free.
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