It’s happened to many of us: we’re out and about, in our cars going about our daily business, whether it’s driving the kids to school, making the daily commute, or running a few errands. Then, out of the blue, we’re side-swiped or rear-ended.

We understand the hassle that comes with being involved in a non-fault road traffic accident – you’re not the person responsible but you’re impacted as a consequence of it.

Apart from the trauma and inconvenience, there’s the dread of knowing a lot of your time in the coming days and weeks is going to be gobbled up by all that paperwork, emails, and phone calls back-and-forth as everything gets sorted out between insurance companies and repair firms.

So, what happens if the accident wasn’t your fault? Do you know your rights and responsibilities? Would you know who to contact if the third party denied your version of events?

Let’s take a closer look at what you should do after a non-fault accident and how we can ease the load.

Get all the necessary details

Once it’s been established that no one has been hurt in the incident, you must build up a picture of what happened to bolster your position as the non-fault driver.

First things first, you need to collect some important information from the other driver:

• their name, address and contact details
• the other driver’s insurance company name, policy information and vehicle details
• taking statements and contact information from any witnesses will help

If you have a smartphone, it’s also important to take pictures of the accident scene, particularly of the vehicles as they appear immediately after the accident wherever possible.

If you must move the vehicles to ensure everyone stays safe, take plenty of photos of the damage.

You can also use Google Maps to localise the accident scene, hand-draw details of what happened and if you have a dashcam, footage can also be used to establish the run-up to the incident as well as the accident itself.

After that, you should call us and take advantage of our no-cost claims handling service.

Staying on the road after a non-fault accident

If you choose our Integrity Club 20 Multi-Policy cover, our help begins when we take your claims notification call, where our dedicated team of advisors will fully manage all aspects of your claim.

We offer 24/7 nationwide accident recovery roadside service using our transport or if necessary a member of the Association of Vehicle Recovery Operators.

We offer drivers assistance at the accident scene, even during unsociable hours as we operate 24/7 365 days a year. If your vehicle is undriveable, we will direct it to one of our networks of manufacturer and insurer-approved body repair centres.

After being repaired to the highest standards, your vehicle will be returned at a time and location convenient to you.

Whilst all that’s going on, behind the scenes our team will also keep you on the road, where we aim to provide a like-for-like replacement vehicle from our extensive fleet of vehicles.

Helping you through the entire claims process

Our team will liaise with the other driver’s insurance company so you don’t have to, and we will ensure you get the very best outcome possible.

They will determine what you’re claiming after the non-fault accident. Most commonly people claim for general damages, which may include pain, suffering, mental hardship, and, in more serious accidents, long-term loss of life quality.

Special damages cover medical bills, loss of earnings or income, care costs, and other out-of-pocket expenses.

Depending on the nature of the non-fault accident and the claim being made, we have Personal Injury lawyers and other legal experts who can act on your behalf. This will be useful if the third party contests your version of events. They will attempt to resolve any problems while you get on with your life, free from the hassle of endless phone calls.

We take care of thousands of motorists, insurance brokers, car clubs, retailers, and motoring organisations. If you choose our Integrity Club 20 Multi-Policy cover, we can also be your trusted accident management partner.

You can contact us here to find out more or email us at contact@integritycm.co.uk or call 020 8556 6633. We are here to help.