This will of course depend on the circumstances of your accident. One of our experienced advisors will be happy to offer their personal opinion on your situation, but the third party’s insurer may of course view the situation differently.
The best way to assess whether you were at-fault yourself, is to look up the Highway code online and make sure you followed the rules for your particular situation – if you have, then you should be ok.
The most common scenario – hitting or being hit, in the rear of a vehicle
This is one of the more common scenarios we hear about at Car Call UK.
If you are hit in the rear. If your vehicle is hit in the rear by another vehicle, in the majority of cases – it will be their fault.
This is because the Highway code states that you should always adjust the way you drive according to the weather conditions and allow enough braking distance between you and the car in front to stop safely in an emergency.
If you hit another vehicle in the rear. Now the reverse applies, if you hit someone in the rear – unfortunately it will almost certainly be your fault.
Even if the car in front of you suddenly brakes hard, you should still have left enough distance between you and the car in front to stop safely – so once again, it is likely to be your fault.
There are occasionally exceptions to the above rules however and if you use our service, the solicitors we work with in conjunction with the third party’s insurer will determine the stance on liability. If you choose to use your own insurer, they will decide this for you too.
Accident assistance without a claim on your car insurance
Car Call UK and our partners help thousands of drivers every year make non-fault accident claims independently of their insurers. This enables them to get the assistance they need without having to pay any excess or face higher insurance costs due a claim on their policy.
Once liability has been established as non-fault, we will deliver a like-for-like replacement hire vehicle for you to use if your vehicle is un-roadworthy after the accident.
We then get the damage to your vehicle assessed by an independent engineer. Should the vehicle be economical to repair, We and our partners organise repairs to be carried out at one of our approved accident repair centres or at a repair centre of your own choice.
If your vehicle is a total loss, you will still be able to use your hire vehicle for up to 1 week from the receipt of your settlement cheque.
If you need assistance with the recovery of out-of-pocket expenses or lost earnings, the solicitors we work with will be happy to help.
If you have suffered an injury as result of your accident, we can help you pursue a claim for compensation and when your claim is successful, you can be assured that you will always receive the best possible settlement for your claim.
For further information or advice just call us on 02392 484 244 or complete the enquiry form on this page and we will get back to you.
Any policyholder can use this service, and it is your legal right to choose who repairs your vehicle. All assistance offered and information given on this page is provided by Car Call UK and its partners , no association or affiliation to any particular insurer is intended in any way, and your statutory rights are unaffected.