What should I do if I don't think the accident is my fault?

If you don't believe that the accident was your fault we’ll get in touch to:

  • discuss your claim
  • let you know how we came to our decision.

It may be worth reviewing what the highway code says at this point.

How we come to our decision

We take into account the outcome on liability where similar cases have gone to Court.

These decisions are often referred to as case law.

We may also have no choice to admit liability where we cannot prove your version of how the accident happened.

The other party may have provided evidence too. This might include:

  • repair estimates
  • engineering reports
  • CCTV or dashcam footage.

These may be difficult to dispute.

Dispute the decision

Get in touch on 0345 999 8888^. We may ask you to provide evidence such as:

  • a detailed statement
  • a diagram of the incident
  • details of any independent witnesses.

Supplying evidence

Try to include:

  • all registration numbers
  • road names and markings
  • the time and place of the incident
  • the weather conditions.

The specific location is also very important.

Example

liability-diagram

My car is the red car. I was driving along Corporation Street when a green car pulled out of Miller Street and I hit them on the driver's side. The blue car behind me managed to stop in time and she was happy to be an independent witness, her details are…

If you have photo or video evidence, let us know. We'll tell you how to get it to us.

Lines are open 8.30am - 5pm Mon - Fri.

^Call charges

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