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Motor Accident?

I braked and a car hit me from behind who’s fault is it?

In the vast majority of road traffic collisions involving a driver who is hit from behind, the person driving the vehicle behind you is ‘at-fault’.

Even if the person in front of you slammed their brakes on for what you believe was no good reason, you would still be at-fault for the collision.

The Highway Code states that you should: -

  • 'leave enough space between you and the vehicle in front so that you can pull up safely if it suddenly slows down or stops

  • ‘allow at least a two-second gap between you and the vehicle in front on roads carrying faster-moving traffic and in tunnels where visibility is reduced. The gap should be at least doubled on wet roads and increased still further on icy roads’

Basically, anyone who drives too close behind your vehicle (...and does not follow the rules above), runs the risk of being at-fault for an accident if you have to slow down suddenly in an emergency.

You are not at-fault, but should you claim on your car insurance?

If you were hit from behind and you make a claim on your insurance, your insurer will almost certainly require you to pay the excess on your policy before your vehicle can be repaired and the cost of your insurance is likely to increase as a result.

You may be able to recover your excess at a later date, but this could leave you out-of-pocket for a period of time.

Car Call UK independently helps thousands of motorists every year resolve accident related issues after non-fault accidents. Because we deal directly with the insurers of the person at-fault for the accident, there is an alternative to a claim on your own insurance policy.

In addition to this, as our claims service is not restricted by the terms of your policy, we provide the same comprehensive service to all our customers, regardless of the type of cover they may have.

We arrange the assistance you need and when your claim is complete, we and our partners recover the costs directly from the at fault drivers insurer on your behalf.

The benefits of our service include: -

  • An alternative to a claim on your own insurance

  • No excess to pay

  • We deliver a like-for-like replacement for your un-roadworthy vehicle

  • Your replacement will be delivered typically within 3 hours of accepting your claim

  • We arrange guaranteed repairs for your vehicle at one of our approved accident repair centres

  • Repairs alternatively can be arranged at a garage of your own choice

  • Legal assistance can be arranged for the recovery of your expenses, lost earnings or claims for compensation

  • Help is available 24/7 from our UK based claims team

To find out how our service can help you, call us on 02392 484 244 and we will be happy to help.

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.
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