What to do if you’re involved in a not-at-fault car accident without insurance

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Written by Kenneth Young
Reviewed by Adrian Taylor
Updated March 19, 2024

What to do after a not-at-fault car accident without insurance: Tips from our car insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

Gather as much detail as you can from the other party involved

Make sure you take the time to gather all the necessary details from the at-fault party immediately after the accident. This includes the other person’s licence number, registration number, car information, contact details and if you can, their insurance details.

Get a quote on repairs as soon as you can

Get the jump on the other party responsible (or their insurer if they have one) by getting a repair quote as soon as you can after the accident to avoid disputes.

Make sure you’re satisfied with any repairs carried out

If you’re not satisfied with the repairs after your car has been returned to you, make sure you go back to the repairer immediately. This may reduce or avoid any further disputes.

Consider a comprehensive policy to cover your car

In case of future incidents, you may want to consider getting comprehensive car insurance. This type of insurance may not only cover the damages to both your vehicle and another driver regardless of who’s at fault for an accident, you’ll also be covered for a wide range of other events like fires, storms and theft.

How do I get compensated if I’m not at fault for an accident and don’t have insurance?

Two drivers standing in front of their cars after a car accident.If you’ve had a not-at-fault car accident without insurance, your main point of contact is the driver who caused the accident, and you’ll need to go through them for the cost of repairs to your car. They can either compensate you through their insurance company or pay you directly.

It’s entirely up to the other driver which option they choose to proceed with, but they are legally required to cover associated car costs if they’re at fault. If they claim through their insurance, their insurer should usually contact you for further details and to inspect your car as part of their process investigations.

If the at-fault driver refuses to pay, you could send them a letter of demand requesting them to contact their insurer or pay for the damage caused.

  • The date, time and location where the incident took place
  • The amount they must pay for the damage they caused
  • Any other costs you’re claiming as a direct result of the accident
  • When the money should be paid
  • How you should receive the funds
  • What happens if they don’t pay (i.e. legal action).

You’ll usually be required to obtain a quote for repairs to ensure the amount you’re asking for is correct. If the at-fault driver refuses to pay this money or respond to your request, you may wish to seek legal advice.

What details should I take when I’m involved in a not-at-fault accident without insurance?

At a minimum, you should exchange details with the at-fault driver; take the driver’s name, address, phone number, licence details and vehicle registration number. The more information you can provide about the crash, the better your chances of getting compensated.

Some other details you should consider recording include:

  • A record of exactly what happened. It’s best to write this down as soon as you can after the accident, even if you jot it down on your phone. Make sure you note the date and time of the incident, as well as where it occurred.
  • Witness statements from the scene. Did anyone else witness the accident? Get their contact details or ask them to send you a description of what they saw. It’s also worth checking if anyone captured the accident on their dashcams.
  • Photos and videos. As well as damage to your vehicle, take photographs and video footage of the accident scene. It’s better to take these photos before you move your car from the scene.
  • Police reports. Usually, the police only need be involved if there’s an injury or loss of life, damage to public property, the crash is a result of criminal activity or the incident causes a traffic hazard. However, you can also contact the police if the other party involved in the crash refuses to supply their details.

Important to know

How is a driver deemed at fault for an accident?

Can I claim my car’s damage on the at-fault driver’s insurance?

What happens in a car accident if no one has insurance?

Not-at-fault accidents and car insurance

Do not-at-fault accidents affect insurance if I take out a policy afterwards?

If the at-fault driver pays anyway, why do I need insurance?

What type of car insurance should I take out?

Meet our car insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As Executive General Manager of General Insurance at Compare the Market, Adrian Taylor is passionate about demystifying car insurance for consumers, so they have a better understanding of what they’re covered for. Adrian’s goal is to make more information available from more insurers, to make it easier to compare and save.