Does accident that's not my fault affect my insurance costs?
Any claim on your car insurance policy is likely to have an effect on its future renewal cost. Sadly, you only have to look at a few consumer forums on the internet to discover that drivers are even penalised for non-fault accident claims by their insurers.
Initially when you apply for an insurance policy you will be asked many questions about yourself and your previous driving history. All this information will then be processed with each piece of information either adding or subtracting from your final quote depending on the results of your perceived risk assessment.
Insurers calculate their policy premiums based on the chances or risk of you being involved in a collision at some point in the future.
If you have a car accident that is partly or wholly your fault, it would perhaps be fair to say that you may be more likely to have another accident and so your risk factor and your insurance premium costs may increase as a result.
Although this does not seem at all fair, even if you have an accident that was not your fault, many insurers will also consider that you are still more likely to be involved in an accident in the future.
How can I avoid my insurance costs go up if I am not at-fault?
Car Call UK operateoperates independently of any insurer, and provide post-accident assistance to thousands of innocent road users every year.
We arrange for repairs to your vehicle at an approved accident repair centre or at a repairer of your own choice. You will be provided with a like-for-like replacement vehicle and we also arrange any legal assistance you may need to resolve your accident related issues.
We will recover costs on your behalf directly from the at-fault driver’s insurer, leaving you to get on with your daily routine with the minimum of disruption.
Remember that as far as your insurer is concerned, your “No Claims Discount” is not a 'No Fault Discount', so even though the accident was not your fault you could still be penalised for making a non-fault claim because they are still providing services for you.
Get the assistance you need without a claim on your policy and call us on 02392 484 244 to start your non-fault claim today.
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.