How To Claim Compensation For A Non Fault Accident?

By Marlon Wilkinson. Last Updated 11th August 2022. Welcome to our guide on claiming non-fault accident compensation. 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. Non-fault accident claims are some of the most usual kinds of cases we pursue on behalf of our customers. But what is a non-fault claim, and do you have to declare non fault claims to your insurer? Here we answer this question about the no fault insurance claims process. We answers other too, such as “What can I claim for in a non-fault car accident?’ and ‘What are the latest non fault accident compensation payouts guidelines?’ Plus, we talk about different types of insurance in a no fault claim.

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

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

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 road traffic accident claim in motion.

Select a section:

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

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Non-fault-accident-claims – What can I claim for in a non-fault car accident?

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.

Will a non-fault accident affect my insurance in the UK? – Your questions answered

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 hire 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.

Questions about non-fault claims

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 on a No Win No Fee basis.

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.

Non-Fault Accident Compensation Claims – What Evidence Do I Need?

In order to claim non-fault accident compensation, you will need to be able to prove that the other driver’s actions were negligent and caused or helped cause the accident.

If possible, collect any evidence that can prove the other driver was at fault, such as:

  • CCTV or dashcam footage of the accident
  • Contact details of witnesses to the accident
  • Photos from the accident scene

The injuries you have suffered, and how they have affected you, will affect your compensation. You should collect or maintain any supporting evidence of your injury’s effects. This can be evidence such as:

  • A medical report of your injury: A medical report could not only prove the extent of your injuries, but could show how long it will take for you to recover – a factor that can have an influence on the amount of compensation awarded in your claim.
  • Photos of your injury

It’s also important to keep track of records of any financial effects. This can be records such as receipts of costs you are spending towards treatment, or proof that your injury has left you unable to work and affected your income – payslips or work contracts can act as proof of expected income.

We understand that every claim is different. Our advisers could help you and give you information related to you specifically about evidence to collect. Please reach out to one for information about what you can for your non-fault accident, and your rights when it comes to claiming compensation.

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

Were driving a vehicle provided by your employer in a work-related role, and injured in a collision for which you weren’t responsible? If so, 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 too. These could include 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

Each no-fault accident compensation claim is very different. No two cases are precisely the same, which is why they are all assessed on their own merits. The evidence you submit with your claim will go a long way towards determining how much compensation you receive. When it comes to the compensation that you would receive for general damages, that is the pain and suffering you experienced, the medical evidence you submit would dictate your level of compensation. You’d need to see a medical expert that is independent of your claim. They could evidence your injury you to get the compensation you deserve.

At your appointment, the expert would examine you and may ask you some questions. Based on your answers and their examination they would be able to write a detailed medical report. This could be used alongside the Judicial College’s guidelines for lawyers and the courts to determine appropriate payout amounts. The table below lists some of the guidelines relating to common injuries that you could sustain in a road accident. If you don’t see your injury in the table, please don’t hesitate to contact us for further advice.

InjuryNotesCompensation
Minor injuries to the foot.Soft tissue damage, cuts, bruising and lacerations.Up to £13,740
Moderate injuries to the foot.All injuries that immobilise the foot until healed, such as simple fractures.£13,740 to £24,990
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.£41,970 to £70,030
Very severe injuries to the foot.All injuries that result in the loss of use of the entire foot.£83,960 to £109,650
Minor injuries to the leg.Soft tissue damage, cuts, bruising and lacerations.Up to
£11,840
Less serious injuries to the leg.Soft tissue damage, cuts, bruising and lacerations with loss of ability to use for the short-term.£17,960 to £27,760
Moderate injuries to the leg.All injuries that immobilise the leg until healed, such as simple fractures.£27,760 to £39,200
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.£39,200 to £54,830
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.£54,830 to £87,890
Severe injuries to the leg.All injuries that result in the loss of use of the leg, such as paralysis.£96,250 to £135,920
Minor injuries to the neck.Soft tissue damage, cuts, bruising and lacerations where a full recovery takes place.Up to £7,890
Moderate injuries to the neck.Injuries that heal in the medium-term and will be painful until they do.£7,890 to
£13,740
Severe injuries to the neck.Long-term injuries, that are painful and restrict movement until healed.£65,740 to £130,930
Minor injuries to the back.Soft tissue damage, cuts, bruising and lacerations.Up to £12,510
Moderate injuries to the back.Injuries that heal in the medium-term and will be painful until they do.£12,510 to £38,780
Severe injuries to the back.Long-term injuries, that are painful and restrict movement until healed.£38,780 to £160,980
Moderate injuries to the hand.All injuries that immobilise the hand until healed, such as simple fractures.£5,720 to £13,280
Less serious injuries to the hand.Fractures, soft tissue damage, cuts, bruising and lacerations with loss of usability for the short-term.£14,450 to £29,000
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.£29,000 to £61,910
Hand loss (1)Either through amputation or loss of use.£96,160 to £109,650
Serious injuries to both hands.Including all injuries that leave both hands with reduced function.£55,820 to £84,570
Hand loss (2)Either through amputation or loss of use.£140,660 to £201,490
Minor injuries to the wrist.Soft tissue damage, cuts, bruising and lacerations.£3,530 to £4,740
Less serious injuries to the wrist.Soft tissue damage, cuts, bruising and lacerations with loss of usability for the short-term.£12,590 to £24,500
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.£24,500 to £39,170
Severe injuries to the wrist.All injuries that result in the loss of use of the wrist.£47,620 to £59,860
Moderate injuries to the arm.Injuries that heal in the medium-term and will be painful until they do.Up to £12,590
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.£15,650 to £32,010
Arm fracture (simple).Such as fractures in the shorter bones of the lower arm.£6,610 to £19,200
Arm fracture (less severe).Such as fractures in the longer bones of the upper arm.£19,200 to £39,170
Arm fracture (serious).All injuries that immobilise the arm until healed, such as compound fractures which result in some long-term loss of use.£39,170 to £59,860
Severe injuries to the arm.All injuries that result in the loss of use of the arm, such as paralysis.£96,160 to £130,930

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 success fees 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 In Claiming Non-Fault Accident Compensation

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.

Our solicitors 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. We will not use confusing legal jargon. Our advisors 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

How common are non-fault road accidents?

In 2020, despite there having been some months where the UK was in national lockdowns and traffic was reduced, there were still road traffic accident casualties that happened in the UK. A range of road user types were injured come up with the most common of these being car occupants. However, pedal cyclists, motorcyclists and pedestrians were also injured during this period. You can see a full breakdown of the DfT statistics for 2020 and 2019 below.

 

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No matter what type of road user you were, if you were injured in a non-fault accident, we could help you make a claim for compensation. Please call us at any time for advice and support.

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. They’ll usually determine that after having one accident, you’re more likely to have another. This could be the case 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. Plus, 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.

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. Plus, 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. Plus, try using other available discounts and also taking up additional driving classes as a result of the accident.

Will a non-fault accident affect my insurance in the UK?

If you’re wondering whether a non-fault accident could affect your insurance in the UK it depends on several factors. For more information, you should speak with your insurance company.

Do you have to declare non fault claims to your insurer?

We would advise that you do declare non fault claims to your insurer. This way, if the other party tried to make a claim against you, your insurer would already be aware of the incident.

What is a non-fault claim?

A non-fault claim is a claim for an accident that was entirely not your fault. For example, a non-fault accident claim could be made against someone who was negligent and caused you harm. For instance, a road user who was driving dangerously or carelessly.

In cases where someone hits a car that is parked up legally, it would likely be the other road user that was totally to blame.

What can I claim for in a non-fault car accident?

You could claim for physical injury and psychological injury caused by an accident due to someone else’s negligent driving.

You could also receive special damages for reasonable costs and losses due to the accident and your injuries. These could include medical costs, care costs and loss of income, for example. Please call our team to find out more about how to evidence these costs and losses.

Where can I find guidance on the latest non fault accident compensation payouts?

The latest Judicial College Guidelines at the time of posting were the 16th edition, released in 2022. When it comes to guidance on the latest non-fault accident compensation payouts, you’ll find the figures in the table contained with this guide. These come from the aforementioned edition of the Judicial College Guidelines. Please note these should only be used as a rough guide, as all non-fault accident claims are different. 

What severity of injuries could I claim for in a non fault claim?

There are various injuries you could claim for in a non-fault claim. These can vary in severity and the severity will be taken into consideration when valuing how much compensation you’re owed. Other factors will also be considered, such as whether you experienced any financial losses. 

For more information, call us on the number above.

Where can I get further help with non fault accident claims?

If you call our team, we could give you further assistance with non-fault accident claims. We could offer you a free eligibility check on your case, and advise you as to how we could assist you further.

How does the no fault insurance process work?

If you’re wondering about the no fault insurance claim process you’ll be expected to go through, we can talk you through it in detail.

When you call us to begin the no-fault insurance claim process, we will ask you some questions about your claim. We may ask you about the specifics of the accident and your injuries. Once we have enough information to determine that you have a valid claim and that the other party had insurance, the no fault claim process could begin.

We could provide you with a No Win No Fee personal injury solicitor, who could offer to represent your claim under a Conditional Fee Agreement. As part of the process, they would send you an agreement document to sign. The document would contain details of their success fee, which is only payable if your claim succeeds. Once you have signed and returned the document, your solicitor would begin working your claim. If your claim fails, you won’t be charged for the services your solicitor has provided. 

What happens to a no fault insurance claim if the other party isn’t insured?

If the other party that caused the accident has no insurance, the no fault insurance claim process could be somewhat different than in a traditional claim. Instead of claiming against the at fault party’s insurer, you could claim through the Motor Insurers’ Bureau. We could help with such claims. 

Our advisors could talk you through the process of claiming via the MIB, and we could provide you with a solicitor to help you. 

Useful Links Relating To Non-Fault Accident Compensation

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.