Has someone crashed
into you?
Accident that wasn’t your fault? We’ll get you back on the road.
- Repairs arranged and recovered from the at-fault insurer
- A comparable replacement vehicle while yours is off the road
- Injury claims handled by solicitors at NJS Law
Free, no-obligation chat about your options.
Find out if you have a claim
SRA regulatedvia NJS Law Limited, No. 8006550
Injury claims by solicitorshandled by NJS Law
England & Walesdrivers, riders and passengers
Free first conversationno obligation to go ahead
What happens after a non-fault accident?
When another driver causes an accident, their insurer is responsible for putting you back where you were before it happened. That usually means paying for your repairs or the value of a written-off vehicle, a replacement vehicle while yours is off the road, your out-of-pocket costs and, if you were hurt, compensation for your injury.
Read the full guide: what to do after a non-fault car accident →How we can help after a non-fault accident
One team for the car, the costs and, if you were hurt, the injury claim. Choose what you need help with.
Car repairs
Your vehicle repaired to its pre-accident condition, with the cost recovered from the at-fault driver's insurer.
Car repairs after a non-fault accident →Replacement vehicle
A comparable car, van or bike while yours is off the road, provided on credit hire by an independent hire company.
Courtesy car and credit hire →Car written off
If your vehicle is a total loss, we help you get a settlement that reflects its value before the accident.
Total loss and write-off claims →Injury claims
Hurt in the accident? Solicitors at NJS Law can look at an injury claim, usually on a no win no fee basis. Terms are explained before you start.
Road accident injury claims →Uninsured losses
Your policy excess, recovery and storage, travel costs and lost earnings may all be recoverable from the at-fault side.
Uninsured loss recovery →Uninsured & hit-and-run drivers
If the other driver had no insurance or drove off, you may still be able to claim through the Motor Insurers' Bureau.
Uninsured driver claims →How a non-fault claim works
- 01
Tell us what happened
Online or by phone. It takes a few minutes, and photos or dashcam footage help.
- 02
We contact the other side
We check who was at fault and notify the at-fault driver's insurer for you.
- 03
You stay on the road
Repairs are arranged and a replacement vehicle can be provided while yours is fixed.
- 04
Your losses are recovered
We claim your costs back from the at-fault insurer. Injury claims run alongside through NJS Law.
Non-fault claims for every road user
Each type of road user has different needs after an accident. Find the guide that fits you.
Your questions answered
All guides →Will a non-fault accident affect my no claims bonus?
How your no claims bonus is treated when an accident wasn’t your fault, and why recovering costs from the other driver’s insurer matters. Read guide → GuideWhat happens after a non-fault accident?
What to expect in the days and weeks that follow, including repairs, replacement vehicles and how costs are recovered from the at-fault insurer. Read guide → GuideHow do I get my insurance excess back?
When someone else caused the accident, your policy excess is a loss you can look to recover from the at-fault driver’s insurer. Read guide →Real drivers, real claims
Anonymised examples from claims we've handled.
Hit head-on by a speeding driver
A speeding driver crossed onto the wrong side of the road and hit our client head-on. NJS Law brought a claim covering the injuries, the psychological impact and the money lost while recovering.
Read the case study →Hit on a pedestrian crossing
You don't need to have been behind the wheel to make a road traffic accident claim. Our client was on foot, crossing at a marked pedestrian crossing with right of way. An approaching driver failed to slow down or stop, and hit them.
Read the case study →Rear-ended at a red light
Our client was on a routine journey and had stopped at a red light, as you would. While they sat stationary at the junction, the driver behind failed to stop in time and went into the back of them.
Read the case study →Every claim is different. Past results don't guarantee the outcome of any future claim.
Non-fault accident FAQs
Do I have to claim through my own insurer after a non-fault accident?
No. You can claim directly from the at-fault driver's insurer. Most policies say you must tell your own insurer about any accident, but telling them is not the same as making a claim on your policy.
Will a non-fault accident affect my no-claims bonus?
If all your losses are recovered from the at-fault driver's insurer, your no-claims bonus shouldn't usually be affected. Insurers can treat claims differently, so it's worth checking your policy.
Who pays for my repairs?
The at-fault driver's insurer is responsible for reasonable repair costs. We arrange the repair and recover the cost from them.
Can I get a replacement car while mine is being fixed?
If you need a vehicle, a comparable replacement may be provided on credit hire by an independent hire company. The hire cost is claimed back from the at-fault insurer, and we'll explain how it works before you agree.
What if the other driver had no insurance or drove off?
You may still be able to claim through the Motor Insurers' Bureau (MIB), which deals with accidents involving uninsured and untraced drivers.
How long do I have to make a claim?
An injury claim generally has to be started within three years of the accident, and a vehicle damage claim usually within six. It's best to act early, while evidence is easy to get.
Had an accident that wasn't your fault?
Tell us what happened and we'll explain your options. There's no obligation to go ahead.