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In a car accident, “not at fault” means that you are not responsible for causing the accident. It indicates that someone else’s actions or negligence led to the collision.

Insurance companies and law enforcement determine who caused the accident based on evidence, such as CCTV video footage (if available), witness statements and police report.

How to file a car insurance claim if you’re not at-fault for the accident

In a “not at fault” accident, you can typically file a claim with the other party’s insurance company. Their insurance should cover the damages to your vehicle and any medical expenses resulting from the accident. However, make sure to report the accident promptly and provide all necessary documents to ensure a smooth claims process.

What to do if you’re not at-fault for an accident

Here’s what you should do you’re not responsible for the collision.

  • Gather information: Exchange contact, insurance, and vehicle details with the other driver.
  • Witnesses: If possible, get contact information from witnesses who saw what happened.
  • Take photos: Capture pictures of the accident scene, vehicle damage, and road conditions.
  • Report to authorities: Depending on your location and the severity of the accident, you may need to call the police and file an accident report.
  • Notify your insurance company: Let your insurance company know about the accident and provide accurate information about what happened.
  • Medical attention: If there are injuries, seek medical help and keep records of medical treatments.

Final thoughts

If you’re not at fault for the auto accident, your insurance rates might not increase because you’re not considered responsible. You might be eligible for compensation for vehicle repair, medical bills, and other damages from the at-fault driver’s insurance.  Also, your insurance company may help you deal with the claims process, but the at-fault driver’s insurance typically covers the costs.