How Much Does a Non-Fault Claim Affect My Insurance? | GVE London – Blog

The point of having a non-fault claim is the fact that you can rest assured that, in case you get into an accident where you weren’t at fault, everything will be taken care of. However, before filing for a claim, it does make you wonder whether doing so would affect your premium. In this blog post, we’ll be answering that very question.

What is a Non-Fault Accident Claim?

A non-fault accident claim is a type of insurance claim that an individual can opt for when they’ve been involved in an accident where another driver is responsible for the incident. For example, if someone rear-ends your car while you’re stopped at a red light, it’s their fault. So, for situations like these, where you suffered damages—monetary, physical, or mental—by filing a non-fault accident claim, you can recover costs through the insurance company of the individual who was at fault.

Does a Non-Fault Claim Affect my Premium?

Well, the answer is that it depends. Unfortunately, the way most insurers operate, yes, it does affect your premium. Even if the accident wasn’t your fault, insurers might still increase your premium when it’s time to renew. This is because some insurers view you as a slightly higher risk after any claim, whether it’s your fault or not.

This is due to the belief that drivers involved in an accident, be it their fault or not, tend to have a higher probability of making future claims. It doesn’t seem fair, it doesn’t particularly make sense, but that is how many insurers operate, alas.

How to Handle a Non-Fault Accident Claim

If you’re unfortunately involved in a non-fault car accident someday, jot the following down as these steps ought to be taken in order to best handle this complex and stressful situation:

• Ensure everyone is safe and sound. Remember, safety comes first. While obviously, it is a big concern to have your precious car damaged, any damages—if you own a supercar or a luxury vehicle—can be fixed at a supercar bodyshop like GVE London, for they possess the necessary expertise, equipment, and sense of care.
• Gather as much evidence as possible. Take photos of the damages, make videos, collect eyewitness reports, and note down the contact details of the driver, their insurance details, as well as the information of witnesses.
• Notify your insurer about the accident, no matter if you intend on filing for the claim or not.

Read Also: Why an Independent Specialist May Be Better Than Your Insurer’s Repair Shop?

Tips to Minimise the Impact on Your Insurance

While you can’t always prevent premium increases after a non-fault claim, there are a few steps you can take:

• Shop around for quotes: Not all insurers treat non-fault claims the same. Compare policies at renewal to find the best deal.
• Consider no-claims protection: If your policy allows it, this can help preserve your no-claims discount after an incident.
• Choose a trusted repair centre: Working with a luxury car repair centre, like GVE London, ensures quality repairs that insurers will recognise. Further, we can take care of the claim process as well under our Non-Fault accident Claim management service

Remember, working with experts can help avoid unnecessary delays and ensure your vehicle receives the care it deserves..

Conclusion

While it is a little complicated to answer how much a non-fault claim affects your insurance, it is safe to say, broadly speaking, it would slightly increase your premium. However, again, that is speaking broadly, and specific insurance plans may vary. If you want to know more about it and need someone to not only take care of a non-fault accident claim and repairs to PPF, detailing, modifications, and more. Our supercar bodyshop can not only take care of your vehicle, but we’ll handle the insurance filing procedures as well. Contact us today!