After an accident, you need to decide whether to make a claim on your insurance to pay for the damage to your car.
If you have comprehensive insurance, you should consider:
You should tell your insurance company if you have been involved in a car accident, even if you decide not to make a claim.
If you have third party property insurance, you may get a limited payment for damage to your car if you were not at fault. You must be able to give the insurance company the name and address of the driver at fault.
If you decide not to claim on your insurance, and you think the other driver is at fault, you can make a claim against the other driver. For more information, see
Owed money after a car accident?
If you decide that you want to make a claim on your insurance policy, go to the Insurance Law Service factsheet
Making a claim on your car insurance.
If you or the driver of your car was unlicensed or affected by drugs or alcohol, your insurance company is likely to reject your claim. If your claim is rejected, see the Insurance Law Service factsheet
What can I do if my insurance claim is refused?
If the other driver makes a claim from their insurer, you may be able to recover the cost of repairing the damage to your vehicle from the other driver's insurance company. You may have difficulty claiming against the other driver's insurance company if:
If the insurance company refuses to pay for the damage to your car you have some options. You can:
In certain situations you may be able to start court action directly against the other driver's insurance company. You will need to seek leave from the court (ask permission) to have the insurance company named as the defendant. Before you do this, you should get
Sometimes, in accidents where the other driver is at fault, the owner of that car may not want to claim on their insurance to pay for your damage or may not have insurance. You can't force the owner to make a claim, but there are other ways you can claim your money.
Insurance Law Service Fact sheet - Making a claim on your car insurance
Insurance Law Service Fact sheet - What can I do if my car insurance claim is refused?
Financial Ombudsman Service Dispute handling process