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Non-Fault Accident Compensation | Advice & Claim Specialist

Non-Fault Accident Compensation | Advice & Claim Specialist

Are you looking for professional advice on non-fault accident compensations? There are many complex factors involving a non-fault accident that may end up hindering the right amount of payout you can get for your claim.

In this blog, we will look for professional advice to help you on your case and get you the best grounds to stand your compensation. Without further ado, let’s recap what is the term relating to “Non-Fault Accident”.

What is a Non-Fault Accident?

So let’s start with the most basic thing to know. What exactly is a Non-Fault Accident? What are the criteria for getting compensation for your claim? What is the deadline to file a claim? How long does it take to settle a non-fault claim? 

Non-Fault Accidents and Claim Criteria

A  “non-fault accident“ typically refers to a situation where one party involved in an incident is not considered responsible or at fault. This is the opposite of the “at-fault” claim, where you are considered liable for the damages relating to the accident.

In the context of various types of accidents, including car accidents or personal injury incidents, the term “no-fault” is often used to describe a scenario where the individual or entity did not contribute to or cause the incident.

Seeking a Non-Fault Accident Claim

You could seek a non-fault claim if you suffered any injury from an accident for which you aren’t liable. You must prove the third party’s negligence to stand entitled to compensation.

However, in most cases, the “no-fault” accident is considered an at-fault accident by insurance companies, that’s why it’s important to have legal representation when needed. It’s important to understand the criteria behind the “no-fault” stance so you can avoid losing your no-claim bonus.

Deadline for Starting a Non-Fault Accident Claim

The claim was filed within three years of the incident. If you delayed more than three years to file one, you wouldn’t be eligible to claim one. However, it’s different for underaged citizens. All under-18 citizens can submit non-fault claims till the age of 21.

If you are involved in a car accident, after becoming entitled, seek compensation from the responsible party’s insurance company. If you fail to file a claim against the at-fault party, you can also approach the Motor Insurance Bureau (MIB) and Vintage Claims for further assistance.

Non-Fault Accident Compensation

The non-fault Accident Compensation process advances after the at-fault party acknowledges liability. After the approval, the insurance provider will issue a notice for a negotiation meeting and some claimants get their compensation within a few days. But, most claimants get their compensation 14 to 30 days after the approval.

Your auto insurance rates won’t increase due to a no-fault accident. The at-fault insurance company will cover your medical bills and suffering. But, certain insurance companies may increase your rates by up to 30% for one non-fault claim. And by up to 50% for two non-fault claims.

You might face another issue when the defendant refuses to accept the liability. In that case, obtaining supporting evidence to present to the defendant will likely be the next step.

Obtaining the Evidence

Throughout the whole process, the insurance providers have to decide the responsibility for the accident. That’s where you’ll have to prove your no-fault stance in the accident. Having a greater amount of evidence will help assess the damage compensation in your favor.

You can look for these types of evidence:

  • Photographic Proof
  • Dashcam Footage
  • Police Reports
  • Medical Bills
  • Witness Statements

After the initial assessment, an investigation will be conducted to determine the fault using the above types of evidence. They will decide who was at fault and not.

Does the level of my insurance affect my coverage?

The level of insurance you have does not affect the coverage you’ll receive. However, it will change the claim process depending on the level of insurance you have.

If you are not at fault for an accident:

There are two ways the claim process changes.

Having normal insurance coverage:

If you have normal insurance coverage and are involved in an accident, then you make a claim directly against the at-fault liability insurance. The at-fault insurer may agree and will give out compensation according to the requirements of your total damage.

However, if the at-fault party is not insured, you might have to cover the costs with your insurance company or the Motor Insurance Bureau (MIB) if you are involved in a car accident.

Having comprehensive coverage:

If you have complete comprehensive coverage, then you should claim with your policy for all the harm and costs involved. Having complete coverage allows for a smoother and easier process. Though your premiums may rise substantially.

If you are found at fault:

You may have to liaise with your own insurance company to negotiate the compensation amount.

Is Claiming Insurance for a Non-Fault Accident worth it?

It depends. The severity of the damage in an accident may determine if you want to risk your no-claim bonus and premiums. If the damage is non-serious and it’s not worth it, you should litigate against the at-fault party for the claim coverage.  

You must declare all the accidents you had before signing up for the policy from your insurance. It’s usually a requirement from most companies to declare all accidents, assessing the insurance risk. Declaring the accidents may increase your premiums but it allows you to avoid large trouble down the road.

How do I start a No-fault Compensation Claim?

After an accident that is not your fault, as claims specialists, we suggest our article readers and clients always stay as calm as possible. Check yourself and your passengers thoroughly if any injury is attained. 

Call Vintage Claims and share detailed information regarding the accident that occurred. 

Vintage Claims will initiate your claim to get the deserved compensation from the at-fault insurance company. If you are non-fault, You won’t have to pay an excess.

As well as you won’t lose your no-claims bonus if you don’t contact your insurance company. Once it is all in our hands, we will provide comprehensive claims management. A claims representative with years of experience in accident management will be assigned.

Your claims representative will coordinate the claims process on your behalf. Ultimately you will be relieved from all responsibilities.

Along with non-fault claims, we do offer a wide range of claim management services, such as:

Contact us now for more useful information or advice without worrying about any fee charges. You can also directly call our representative for detailed information about any service.

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