What’s the Difference Between a Fault and Non-fault Claim? | GVE London – Blog

Getting in an accident is an extremely unfortunate situation, made worse only when it’s not even your fault. Thankfully, we’ve got insurance. However, claiming insurance isn’t the easiest thing to do either. Those who’ve tried to claim it understand that. There are many factors to consider, and one of them is understanding the difference between a fault and a non-fault claim. This applies to all vehicles, but high-end car owners specifically need to understand it, as the repair costs and insurance premiums for their vehicles are much higher. Know your rights and responsibilities.

What Is a Fault Claim?

Let’s understand the two types of claims first, starting with a Fault Claim. This occurs when you, the policyholder, are deemed responsible, or at fault, for an accident. Perhaps you were driving recklessly, texting your mate, and running a light, which led to an accident. Rather self-explanatory.

What Is a Non-Fault Claim?

Getting to the meat of the issue—a non-fault claim. Here’s a hypothetical scenario: you’re sitting in a parking lot, and someone rams into your vehicle from behind. You were parked correctly, you were stationary, and you have your licence and insurance. You’re not responsible for this. So, in this scenario, you’ll have to file a non-fault claim.

In most cases, a non-fault claim won’t affect your insurance premiums, as you weren’t at fault. However, you should always check with your insurer to confirm their policy. Even if you decide to pay your excess upfront, it can be recovered from the at-fault party’s insurance, though this process takes time and is rather tedious, as it involves gathering evidence. Videos, photographs, eyewitness accounts—everything counts.

Read Also: Finding the Best Repair Centre for Non-Fault Accident Claims

How GVE London Can Help with Non-Fault Accident Claims

At GVE London, we understand how stressful dealing with an accident is, and when it is a no-fault accident, it’s made doubly worse. The fact that the whole non-fault insurance claims process isn’t exactly a walk in the park really doesn’t help the situation either.

That’s why we offer our customers support under our Non-Fault Accident Claim Management services. Here’s how we can assist:

• We handle the entire claims process on your behalf, from liaising with insurers to arranging repairs.
• While your car is being repaired, we’ll provide you with a courtesy car, which you can use in the meantime.
• We’ll work to recover your excess from the at-fault party’s insurer, so you don’t have to worry about upfront costs.
• Since we’re a supercar service centre, we ensure your car is returned to its original condition—we specialise in supercars, after all.

Conclusion

Understanding the difference between the two types of claims—fault or non-fault—is essential for all individuals who drive a vehicle on the road. Accidents, unfortunately, can happen at any time without warning and leave you with a financial burden. If you weren’t at fault, a non-fault claim is a way for you to recover damages without impacting your insurance.

With GVE London’s Non-Fault Accident Claim Management services, you can rest assured that we’ll take care of the entire ordeal for you and ensure your claim is handled with the utmost care. As a leading supercar bodyshop, like GVE London, we specialise in high-end vehicle repairs, taking care of all your automotive needs, from repairs and service to modifications. Schedule an appointment with us today!