How To Claim Compensation For A Non Fault Accident?

Comprehensive Advice for Claiming for a Collision that Wasn’t Your Responsibility

By Mark Ainsdale. Last Updated 2nd June 2021. Welcome to our guide on claiming compensation for a non-fault accident. Here, you will find a full and detailed guide to making a non-fault accident claim for a collision that you have sustained a personal injury in. A non-fault accident claim is one of the most usual kinds of cases we pursue on behalf of our customers.

In this kind of collision, it is blatantly obvious that you, the driver, was not at fault and that a specific third party, such as another driver, was, without a doubt, the cause of the collision.

This guide is intended to educate anyone who needs to pursue a settlement for a collision that was not their fault in the process of doing so. However, if you would rather skip over it and move straight on to making your non-fault accident compensation claim, then you can call Accident Claims UK on 0800 073 8801, and we will help get your claim in motion.

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Comprehensive Advice On Making A Claim After A Collision That Wasn’t Your Responsibility

compensation for a non-fault accident

Non-fault-accident-claims

This guide to claiming compensation for a non-fault car accident aims to answer questions such as, “what is a no-fault car accident?” and more.

In a collision that was not your responsibility, you, as the driver, is not to blame for the collision happening. It will be a third party, such as another driver, a pedestrian, or a cyclist. In these cases, there is a very simple and straight route to claiming the third party who is clearly at fault for causing the collision. This guide explains what this type of claim is, how they happen, and what the process is for pursuing a damages settlement for a personal injury caused by one. It contains information and advice, such as:

  • What is a collision that wasn’t your responsibility? How is it defined under UK laws?
  • A list of the most usual kinds of collisions that weren’t the responsibility of our customers we regularly claim compensation for.
  • A discussion of the probability of claiming compensation for a collision you have been involved in that was not your fault, that did not injure you.
  • Information on the difference in claiming a collision that was not your fault while driving your own car versus a replacement car.
  • Advice to people who have injured in a collision that was not their fault while they were driving a vehicle provided by your employer as part of their job of work.
  • A discussion of the effect that making a no-fault collision claim will impact car insurance premium.
  • Data on how much you can expect to receive compensation for a range of personal injuries that you might sustain in a collision that was not your fault. This information is given in a detailed table.
  • Information on the process of beginning your case for compensation for a personal injury sustained in a collision that was not your fault.
  • An introduction to the No Win No Fee collision claims service operated by Accident Claims UK, and also why we believe this is the best way to win compensation in such cases.

If you want to ask any questions about the information given in this guide or require further help with claiming non-fault accident compensation, then please do call us on the number that you will find at the end of this guide. We will do our very best to help you claim compensation for a non-fault accident.

How Is A Collision For Which Wasn’t Your Responsibility Defined?

When considering claiming for non-fault accident compensation, the most important piece of non-fault accident advice you will receive is when your legal firm confirms that it was indeed a collision that was not your fault.

The legal definition of a collision that isn’t your responsibility is an accident that the victim has been involved in. It is irrefutably true that they had absolutely nothing to do with causing the collision. Instead, the blame can be proven without any measure of doubt, to be settled on one or more third parties.

If you were caught in a collision that was not your fault, whether you have been injured, or suffered damage to your vehicle, then call Accident Claims UK on the number at the end of this guide to begin your claim.

What Are The Most Common Types Collisions That Are Not The Responsibility Of The Driver?

Some types of collisions are more often seen as a reason to pursue a non-fault car accident claim than others. Whether you have had a little paintwork scratched, through to a full non-fault accident write off or a serious injury, these causes below are the most common:

  • Somebody running into your vehicle from the rear – this is arguably the most common type of road traffic collision of all, that is not the driver’s responsibility. When a person is driving behind your vehicle a little too closely, and lack of care and attention causes them to rear shunt you by missing your breaking manoeuvre, a reason to pursue compensation will exist.
  • Dangerous driving – if a person driving dangerously (and it can be proven they were) hits your car, causing a collision, then you a reason to pursue compensation will exist.
  • Careless driving – if a person driving carelessly (and it can be proven they were) hits your car, causing a collision, then a reason to pursue compensation for a non-fault accident will exist.

If you were caught in a collision like these above and would like to claim non-fault accident compensation, contact Accident Claims UK now.

Is It Possible To Get Compensation For A Collision That Wasn’t My Responsibility When I Have Not Come To Physical Harm?

To answer the question, I had a car accident that was not my fault, and I was not injured, but my car was damaged. Is it possible to win compensation for a non-fault accident? Then the answer for a non-fault crash is yes, you can.

You will be entitled to get compensation for any damage to your vehicle. You can also pursue a settlement for additional losses such as missing an important event such as a pre-booked holiday or the wedding of a family member.

If you feel unsure of what you think you can claim for after being caught in a no-fault collision, then call Accident Claims UK now on the number at the end of this guide, and we can inform you of what we believe you can receive a settlement for.

If I Am Driving In A Replacement Car, And Am Caught In A Collision That Wasn’t My Responsibility, Can I Still Claim?

When you fall foul of a collision that wasn’t your responsibility, and you suffer a personal injury caused by the collision, then you will be entitled to peruse a personal injury claim. You will also be entitled to get compensation for special damages such as financial loss for missing work time, or not making it to the airport in time and missing a flight that you cannot get a refund for.

Any damage to the replacement car will be the company’s responsibility that lends it to you to win compensation for and will not make up any part of your own claim.

If you believe that a collision that was not your fault while driving a replacement car has left you with a reason to win compensation, such as an injury or financial loss, then contact Accident Claims UK now on the number at the end of this non-fault accident compensation guide so that we can help you.

What Should I Do When I Am Caught In A Collision That Wasn’t My Responsibility?

If you’re interested in claiming compensation for a non-fault accident but are unsure of where to begin, then this section will help. Probably the best non-fault accident advice we can give is a list of the things to do if you were caught in a collision that wasn’t your responsibility to maximise your chances of winning a claim, and these are:

  • Gather evidence at the collision scene, including taking photos of anything relevant with your phone and gathering the contact details for any witnesses.
  • Ensure the collision has been reported to the police if they do not turn up at the scene.
  • Ensure that you have any injuries treated at the hospital so that the injury is recorded.
  • Get a quote for the repair work on your car or a vehicle’s valuation if it is a non-fault accident write off.

Once you have done these things, then you can contact Accident Claims UK, and we can help you to begin your damages claim.

To Help My Compensation Claim, Should I Make An Effort To Gather Evidence?

To answer the question, how easy is it to get compensation for a car accident, not my fault? The answer revolves entirely around how much evidence you have captured to ensure you can prove the collision was not your fault. This is a critical stage of the no-fault insurance claim process and includes evidence such as:

  • A police report clearly states the collision was not your fault.
  • Photo and video footage that shows the collision as not being your fault.
  • Independent witness testimony that says the collision was not your fault.

These types of evidence help Accident Claims UK make a claim successfully for you. Call us at the number at the end of this guide to assist you further with your non-fault accident compensation claim.

Is it Possible Get Compensation for A Collision That Wasn’t My Responsibility At Work?

If you were driving a vehicle provided by your employer in a work-related role, and you are injured in a collision for which you weren’t responsible, you would be entitled to pursue a damages settlement for the personal injury aspect of the collision. You will also be able to get compensation for additional losses, such as missing the wedding of a family member due to the collision.

Any damage to the vehicle provided by your employer will result in your employer making a separate claim to cover the costs of repairs or replacement of the vehicle, and you will not include these costs in your claim.

For further clarification on claiming non-fault accident compensation for an accident at work, call Accident Claims UK on the number at the end of this guide on compensation for a non-fault accident.

How Will A Settlement For A Collision That Wasn’t My Responsibility Raise My Insurance?

To answer the question, will a non-fault accident make a difference to my insurance? The answer depends much on the actual no-fault insurance claims process followed. However, making such a claim will usually result in around a 30% non-fault accident insurance increase.

Also, specific driver groups may see a larger penalty in the form of increased premiums. For example, looking at the graph below, we can see that young drivers are commonly involved in road traffic accidents. Young drivers may find themselves penalised by failing to accrue due to a non-fault accident no claims bonus less quickly as they could have without being caught in a collision that was not their fault.

compensation for a non-fault accident statistics

Source – https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/706516/young-car-drivers-factsheet.pdf

Please read on if you’d like to know more about what can be included in compensation for a non-fault accident.

Compensation Calculator For A Collision That Wasn’t Your Responsibility

Every no fault collision claim is different, so it is very difficult to give an exact estimate of the amount of damages you might receive. However, the graph below gives a general indication of non-fault accident compensation payouts:

InjuryNotesCompensation
Minor injuries to the foot.Soft tissue damage, cuts, bruising and lacerations.Up to £12,900
Moderate injuries to the foot.All injuries that immobilise the foot until healed, such as simple fractures.£12,900 to £23,460
Serious injuries to the foot.All injuries that immobilise the foot until healed, such as compound fractures which result in some long-term loss of use.£23,460 to £36,790
Severe injuries to the foot.All injuries that immobilise the foot until healed, such as multiple fractures which result in permanent loss of use and ongoing pain.£39,390 to £65,710
Very severe injuries to the foot.All injuries that result in the loss of use of the entire foot.£78,800 to £102,890
Minor injuries to the leg.Soft tissue damage, cuts, bruising and lacerations.Up to £11,110
Less serious injuries to the leg.Soft tissue damage, cuts, bruising and lacerations with loss of ability to use for the short-term.£16,860 to £26,050
Moderate injuries to the leg.All injuries that immobilise the leg until healed, such as simple fractures.£26,050 to £36,790
Serious injuries to the leg.All injuries that immobilise the leg until healed, such as compound fractures which result in some long-term loss of use.£36,790 to £51,460
Very serious injuries to the leg.All injuries that immobilise the leg until healed, such as multiple fractures which result in permanent loss of use and ongoing pain.£51,460 to £85,600
Severe injuries to the leg.All injuries that result in the loss of use of the leg, such as paralysis.£90,320 to £127,530
Minor injuries to the neck.Soft tissue damage, cuts, bruising and lacerations where a full recovery takes place.Up to £7,410
Moderate injuries to the neck.Injuries that heal in the medium-term and will be painful until they do.£7,410 to £36,120
Severe injuries to the neck.Long-term injuries, that are painful and restrict movement until healed.£42,680 to £139,210
Minor injuries to the back.Soft tissue damage, cuts, bruising and lacerations.Up to £11,730
Moderate injuries to the back.Injuries that heal in the medium-term and will be painful until they do.£11,730 to £36,390
Severe injuries to the back.Long-term injuries, that are painful and restrict movement until healed.£36,390 to £151,070
Minor injuries to the hand.Soft tissue damage, cuts, bruising and lacerations.£800 to £3,810
Moderate injuries to the hand.All injuries that immobilise the hand until healed, such as simple fractures.£5,260 to £12,460
Less serious injuries to the hand.Fractures, soft tissue damage, cuts, bruising and lacerations with loss of usability for the short-term.£13,570 to £27,220
Serious injuries to the hand.All injuries that immobilise the hand until healed, such as compound fractures which result in some long-term loss of use.£27,220 to £58,100
Hand loss (1)Either through amputation or loss of use.£90,250 to £102,890
Serious injuries to both hands.Including all injuries that leave both hands with reduced function.£52,310 to £79,360
Hand loss (2)Either through amputation or loss of use.£132,040 to £189,110
Minor injuries to the wrist.Soft tissue damage, cuts, bruising and lacerations.£3,310 to £4,450
Less serious injuries to the wrist.Soft tissue damage, cuts, bruising and lacerations with loss of usability for the short-term.£11,820 to £22,990
Serious injuries to the wrist.All injuries that immobilise the wrist until healed, such as compound fractures which result in some long-term loss of use.£22,990 to £36,770
Severe injuries to the wrist.All injuries that result in the loss of use of the wrist.£44,690 to £56,180
Moderate injuries to the arm.Injuries that heal in the medium-term and will be painful until they do.Up to £11,040
Less severe injuries to the arm.All injuries that immobilise the arm until healed, such as multiple fractures which result in permanent loss of use and ongoing pain.£13,720 to £28,060
Arm fracture (simple).Such as fractures in the shorter bones of the lower arm.£6,190 to £18,020
Arm fracture (less severe).Such as fractures in the longer bones of the upper arm.£18,020 to £36,770
Arm fracture (serious).All injuries that immobilise the arm until healed, such as compound fractures which result in some long-term loss of use.£36,770 to £56,180
Severe injuries to the arm.All injuries that result in the loss of use of the arm, such as paralysis.£90,250 to £122,860

For a much more accurate estimate of how much compensation you could pursue a settlement for your no-fault collision, call Accident Claims UK at the number at the end of this guide.

Conditional Fee Claims For A Collision That Wasn’t Your Responsibility

When Accident Claims UK makes a No Win No Fee compensation claim on your behalf, you don’t pay anything to start the claim, and we won’t ask you to pay any ongoing fees no matter how long the claim takes. If we were to lose your case, we wouldn’t charge you anything at all. The only time you pay is when you receive a compensation payment.

This makes our No Win No Fee offering a financially risk-free way to pursue a claim for A collision that wasn’t your responsibility. Call us at the end of this guide to learn more about claiming compensation for a non-fault accident.

How Our Legal Team Can Assist You

Accident Claims UK has been operating a legal team across the UK for more than 30-years. We are extremely experienced in claiming compensation for collisions that were not the responsibility of our customers.

We will always try to claim the maximum amount of damages we possibly can, yet we will never do anything at all that will jeopardise your claim.

We will always keep you up to date on the status of your claim using simple English and not confusing legal jargon and are always on hand to answer any questions you might have about non-fault accident compensation.

Begin The Process Of Claiming For A Collision That Wasn’t Your Responsibility Today

If you were in a car accident that wasn’t your fault, call Accident Claims UK on 0800 073 8801 now. Once we have all the info we need to offer some legal advice on what to do next, we will do so. We will likely offer you our Conditional Fee Agreement style offering to get you the compensation for a non-fault accident you are rightly due.

Non-fault accident compensation- FAQs

Will a non-fault accident affect my insurance?

Usually, yes. Even if you’re not at fault for an accident, or if you don’t make a claim for repairs following an accident, your insurance premium is likely to go up the following year. This is because car insurance companies base their premiums on probability, and they’ll usually determine that after having one accident, you’re more likely to have another even if the accident wasn’t your fault.

How much does a non-fault accident affect your insurance?

It could increase by 30% for one non-fault claim and 50% if there are two non-fault claims.

What’s the average settlement for a car accident where I wasn’t at fault? 

Because non-fault car accidents can cause a wide variety of injuries, it’s difficult to put a value on the average personal injury settlement for a non-fault accident. Each claim is unique and, as such, will be assessed on a case-by-case basis.

The amount you can receive will depend on the severity and type of your injuries, as well as how long they’re likely to affect you. A minor case of whiplash will attract a much lower sum than a spinal injury that affects your ability to walk in the long term.

Equally, the special damages head of your claim will be determined by your individual circumstances. Time off work, medication costs and travel expenses will all be considered when your compensation is calculated.

Whose insurance pays in a no-fault accident?

The other driver’s motor insurance covers the cost even if they’re the victim, though it could mean paying a larger excess.

What does no-fault insurance pay for?

This covers medical expenses, loss of earnings and other related expenses.

What should you not say to your insurance company after an accident?

Don’t admit to fault nor make any statements, don’t deny suffering injuries, don’t accept the first settlement and focus on the facts.

Can you sue for pain and suffering in a no-fault state?

It is possible to do this, though it helps to have medical evidence supporting your case.

How can I lower my car insurance after an accident?

Telling your insurers helps, as well as using other available discounts and also taking up additional driving classes as a result of the accident.

Useful Links

Have you been involved in an accident with a stolen car? Click the link below to read our guide on claiming:

Stolen car accident claims 

At the link below, you will find the entry portal for UK Government recorded road traffic accident statistics:

UK Government road traffic accident stats

If you’re wondering how much you could claim after a taxi you were travelling in was involved in an accident, read our helpful guide below:

Taxi accident claims guide

At the link below, you will find road traffic accident statistics published by the Royal Society for the Prevention of Accidents:

ROSPA road traffic accident stats

Read our guide below to find out more about whiplash symptoms and how much you could be entitled to claim:

Whiplash injury guide

Thank you for reading our guide on claiming compensation for a non-fault accident. We hope you have learned a lot about how to claim non-fault accident compensation.