Step 1. Should I claim or not claim on my insurance?
If you accept you are partially liable in an accident, you may be responsible to pay the other party (whether they are insured or not) money for the damages they sustained. If you accept you are partially liable you may not be able to recover all or any of the damages you have sustained to your car. If this is the case click on the "The other party admits partial liability" button below. Things to consider are:
- How much damage have you sustained? How much will it cost to fix?
- How much damage has the other party sustained?
- Will you be able to negotiate with the other side?
- Does the other party agree that both parties are at fault.
- Where there is very minor damage to your car; and
- The cost of repairing the total damage (to your car and your liability to the other car) is less, equal to or just over the amount of your excess.
- The cost of repairing your car is close to the value of your car and you do not want the car to be “written off”. You should be mindful of how much the other party is claiming from you.
- Where the other party does agree they contributed.
- the other party does not agree they contributed, and believe you are completely liable;
- the damage to both cars is extensive
- admitted fault or partial fault;
- admitted to an amount of damage you are liable for.
- delayed the resolution of the matter