Your claim may be settled as fault, even if the accident wasn't your fault. We are not blaming you for the accident, don't worry! A fault claim is just any claim where we have to pay out.
For example, if the third party believes you were at fault, they will make a claim against your insurance. Similarly, if you are involved in an accident, you are able to claim against the third party's insurance if you think it was their fault.
If there is no third party involved, or they cannot be contacted, you will also claim against your insurance policy, meaning the claim will be treated as fault.
A claim will only be settled as non-fault in these two situations:
- We have not had to make any payments towards this claim, or
- Any payments we made have since been recovered from a third party.
Please note: all claims that are pending and currently being investigated will be treated as fault claims until they have been fully settled.