Learn how third party insurance claims work and discover how an accident management company can guide you through the process, helping you recover your costs without affecting your own insurance.
36,000+ happy drivers with Auto Claims Assist
A third party insurance claim occurs when a driver not at fault in an accident makes a claim directly against the insurance company of the responsible driver. This differs from making a claim on your own insurance policy.
Their insurance is then used to cover your losses, which may include vehicle repairs, car hire, recovery, and any other costs incurred due to the accident. This process ensures that you are not left out of pocket following an accident that wasn't your fault.
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There are two primary scenarios where making a third party insurance claim is the appropriate course of action:
Determining fault in a car accident can be complex, as it requires a careful analysis of the circumstances and available evidence.
Witness accounts, police reports, dashcam or CCTV footage, and vehicle damage assessments all play a role in establishing who was responsible.
In the UK, fault is usually determined based on the concept of negligence, where the driver who breached their duty of care and caused the accident is considered at fault.
The success of your third party claim hinges on the other driver having valid insurance coverage. If the other driver is uninsured, you may still be able to seek compensation through the Motor Insurers' Bureau (MIB), a UK organisation that handles claims involving uninsured or untraced drivers. However, the process can be more complicated and may have limitations on the compensation available.
Navigating the complexities of a third party insurance claim can be overwhelming, especially while dealing with the aftermath of an accident. At Auto Claims Assist, we simplify the process and advocate for your best interests to achieve the best possible outcome.
From the moment you contact us, we provide expert support for your third party claim. Our team of experts will manage all communication, paperwork, and negotiations with the other driver's insurance company, allowing you to continue with your daily life without interruptions. We handle every aspect of the process, ensuring a smooth and stress-free experience for you.
Our priority is to minimise the disruption caused by your accident and ensuring a positive resolution. Our BSI Kitemark accredited repair network uses only manufacturer-approved parts and paints to restore your vehicle to its pre-accident condition. If your vehicle is a total loss, we'll negotiate a fair payout on your behalf.
For the whole duration your car is off the road, we'll provide you with a comparable replacement vehicle to minimise any disruption to your daily routine.
For personal injury claims, we work with a panel of expert solicitors to ensure you receive the compensation you deserve.
Your satisfaction is our priority.
If the accident wasn’t your fault, you are eligible to start a non-fault claim.
Determining fault in a car accident is essential for a third party insurance claim, as it establishes who is liable for the damage sustained. Understanding how fault is determined and the importance of evidence can help to protect your rights and make a successful claim.
In the UK, fault in a car accident is typically determined based on the legal concept of negligence. A driver is considered negligent if they breach their duty of care to other road users and cause an accident as a result. This can include actions like running a red light, speeding, or not yielding the right of way.
Insurers assess fault by examining various factors, such as:
Evidence plays an important role in proving that you were not at fault. After an accident, it's important to gather as much evidence as possible to support your case. This includes:
Be respectful but don’t apologise or admit fault, even a simple apology can be used as an admission of fault.
Here's a detailed look at how our process works, ensuring you're supported every step of the way:
This straightforward process ensures your claim is handled efficiently and effectively, with minimal stress or inconvenience for you. We're here to advocate for you and ensure your rights are protected throughout the entire journey.
Trustpilot
"Unfortunately someone crashed into my parked car, I decided to go through Auto claims as a third party accident management company rather than my actual insurance. At first I was worried but the smooth process made me feel assured and my claim was completed within 3 and a half weeks."
While you might consider dealing with the third party insurance claim yourself, it's important to understand the potential drawbacks of doing it alone. Without the proper knowledge and resources, you could end up settling for less than you deserve or getting stuck in a drawn-out process with the other party's insurance company.
No excess to pay
Unaffected no claims bonus
Comparable replacement vehicle
Manufacturer approved parts
Dedicated claims handler
Fight for your liability
Fair write-off valuation
If the accident wasn’t your fault, you are eligible to start a non-fault claim.
When you choose Auto Claims Assist to handle your third party claim, you gain access to benefits that simplify the process and protect your interests:
Trustpilot
"Absolutely brilliant company to deal with. Helpful & efficient. Dealt with everything after giving initial details of incident. Christina my claim handler was very helpful throughout. Excellent customer service. Would definitely recommend"
While it's a legal requirement for all drivers in the UK to have insurance, accidents involving uninsured drivers do unfortunately happen. In these situations, the Motor Insurers' Bureau (MIB) steps in to provide compensation to innocent victims. The MIB is a not-for-profit organisation funded by the insurance premiums of all law-abiding motorists to handle claims where the at-fault driver is either uninsured or untraced.
If you're involved in an accident with an uninsured driver, it's important to understand how the MIB can help. They offer compensation for various losses, including personal injury, vehicle damage, and loss of earnings. Please note: The MIB has specific criteria and procedures for making a claim.
Understanding the role of the MIB and the claims process can help you navigate this challenging situation and ensure you receive the support you need.
If the accident wasn’t your fault, you are eligible to start a non-fault claim.
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Customer stories with our claims management services
We have successfully helped over 36,000 drivers to get back onto the road.
Dedicated to protecting your rights and recognised by the industry
Independent, Trusted and Award-winning
You can feel confident knowing that your claim is being handled professionally by experts. We are:
15+
Years Experience
Nationwide Accident Management
We’re a UK leading Accident Management Company founded in 2009, helping thousands of people every year after non-fault accidents. Our team of accident experts have over 15+ years of experience in the complexities of Accident Management and Credit Hire.
Regulated by The FCA
Working as part of The CHO and The GTA
To ensure trust, transparency and to exceed industry standards, we adhere to the standards set by the Financial Conduct Authority (FCA), The Credit Hire Organisation (CHO) and The General Terms Of Agreement (GTA).
Our team of non-fault claim specialists are ready to answer any questions you have. Provide your details here to request a callback. One of our advisors will call you back as soon as possible. Alternatively, call us on 0330 128 1407 to speak to someone now.
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