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Claiming After A Car Accident

<p>When you’ve been involved in a car accident, making an insurance claim afterwards will depend on who was at fault and the type of insurance cover each driver has. If you are not at fault in a car accident, you are entitled to have the costs of your towing, repairs and accident replacement vehicle covered by the at fault party or their insurer. This is why it’s crucial to work out&nbsp;<a href="https://www.right2drive.com.au/articles/determining-fault-after-a-car-accident" rel="noopener noreferrer nofollow">who is at fault in a car accident</a>.</p><h2>Claiming Insurance When Not At Fault</h2><p>If you are not at fault and the at fault party lodges an insurance claim to pay for the damages caused to you, you may be contacted by their insurer. Their insurer may ask you for additional information about the accident or for additional documents.</p><p>If the at fault party doesn’t have insurance or is unwilling to cooperate with you, you may need to lodge a claim through your own insurer. Remember that there may be time limits on how long after a car accident you can claim depending on your state or territory, the type of insurance cover you have and what you agreed to in your Product Disclosure Statement (PDS).</p><p>If your insurer is part of the Insurance Council of Australia, they will need to meet or exceed the standards for claims handling that are set out in the General Insurance Code of Practice. This code sets minimum standards that insurers need to meet from the time a consumer takes out a policy with them all the way through to the claims process. The&nbsp;<a href="https://www.afca.org.au/" rel="noopener noreferrer nofollow">Australian Financial Complaints Authority</a>&nbsp;monitors compliance with the General Insurance Code of Practice.</p><p><img alt="" src="https://www.right2drive.com.au/wp-content/uploads/2023.02.14-Blog-Post-Image-1.jpg" title="" resizable="false"></p><h2>What Happens After A Car Accident Claim</h2><p>Insurance companies must respond to your claim within 10 business days from when your claim was lodged to fulfil the standards set out by General Insurance Code of Practice.&nbsp;If your insurer requires more information from you to assess your claim, they also need to let you know within in 10 business days. If your claim is denied by the insurance company, they need to provide you with reasons in writing and give you information about their complaints handling procedures.</p><p>If your insurer is not acting in compliance with the General Insurance Code of Practice, or if you are unhappy with the service and/or outcome you’ve received, you should lodge a complaint with your insurer through their internal dispute resolution process. If the issue is still not resolved, you can then lodge a complaint through The Australian Financial Complaints Authority.</p><h2>What To Do After A Car Accident</h2><p>In order to make claiming simpler after an accident, make sure that you exchange personal and insurance information with the other driver before leaving the accident scene. This is a legal requirement, and if at any time the other driver becomes aggressive or refuses to cooperate, you should call the police for assistance.</p><p>Remember that your insurer will rely on evidence when a claim is made, and you should collect evidence such as photos, videos, and witness statements at the scene of the accident.</p><p><img alt="" src="https://www.right2drive.com.au/wp-content/uploads/2023.02.14-Blog-Post-Image-2.jpg" title="" resizable="false"></p><h2>Accident Replacement Car</h2><p>If you’ve had a car accident and you’re not at fault,&nbsp;<a href="https://www.right2drive.com.au/am-i-eligible?utm_source=blog&amp;utm_medium=blog-banner&amp;utm_campaign=blog-banner" rel="noopener noreferrer nofollow">you may be eligible</a>&nbsp;to receive an accident replacement vehicle. Even if you&nbsp;<a href="https://www.right2drive.com.au/articles/car-accident-no-insurance-not-at-fault" rel="noopener noreferrer nofollow">don’t have any car insurance</a>,&nbsp;or you haven’t taken out a hire car as a optional extra on your policy, Right2Drive may still be able to assist you with a like-for-like car for the duration of your repairs.</p>

Not At Fault after An Accident?

Are You Eligible for a Free Accident Replacement Vehicle?

In A Not At Fault Car Accident?

Who Is At Fault In A Car Accident?

An accident loan car is a replacement car provided to you while your own car is undergoing repair. In case your car is totally damaged, you can use this replacement car until you receive your total settlement. You can reach out to Right2Drive to apply for and receive an accident loan car.

What Is an Accident Loan Car, and How Does It Work?

As a not-at-fault driver, you only need to cover fuel, tolls, and other expenses, not the car hire cost. Credit hire companies work directly with the at-fault driver and their insurer to recover the cost of the service.

Who Pays for the Loan Car After a Not-at-Fault Accident?

Yes. If eligible, you can drive an accident loan car hired from Right2Drive for the duration of the repair or until your claim is being processed. You will not be left without transportation during a challenging time.

Can I Get a Loan Car While Waiting for My Accident Settlement?

You can keep the loan car after an accident for a reasonable period of time, which is usually the time it takes to get your original car repaired or until you receive a settlement (this applies if your car is completely wrecked and cannot be used at all).

How Long Can I Keep a Loan Car After an Accident?

Loan car accident service providers retrieve rental costs from the at-fault party and their insurers. However, you still have to cover fuel, tolls, and other expenses related to daily car use as you normally would with your own car.

Claiming After A Car Accident

Not At Fault after An Accident?

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