Non fault accident in Grantham | Your rights and free repair

If someone else caused the damage you should not be out of pocket. Here is how a non fault claim works in Grantham, what you are entitled to and the mistakes that cost people money.

Every week we speak to Grantham drivers who have paid an excess they never needed to pay. If the accident was not your fault, the cost belongs to the other driver's insurer, not to you.

What you are entitled to

A full repair to a proper standard at no cost to you. A like for like replacement vehicle for the whole time yours is off the road, not a token city car if you drive an estate or a van for work. Recovery of your genuine expenses, from taxi fares to lost earnings for the day of the accident. And your own policy left alone, which means your no claims discount and your renewal price are protected.

The two mistakes that cost money

The first is phoning your own insurer before anything else and letting the claim be recorded against your policy. The second is accepting the first repairer offered without asking who they are. You are allowed to choose. Say clearly that your vehicle is going to Solution Repair Grantham and that we will handle the claim.

How we run a non fault claim

You call us on 07956 786622. We take the other driver's details, open the claim against their insurer and arrange collection from home or work anywhere around Grantham. A replacement vehicle is delivered at the same time. We produce a full estimate, agree it with the engineer, carry out the repair to BS 10125 standards with manufacturer approved materials, then quality check and return the car. You do not pay an excess and you do not chase anybody.

What if the other driver disputes it

This is where the photographs and the dash cam clip earn their keep. Independent witnesses help too. Even in a disputed case we can start the repair and deal with liability in the background, so you are not sitting on a damaged car for weeks waiting for two insurers to agree.

What if the other driver was uninsured

You still have options. Claims can be made through the Motor Insurers' Bureau, and many policies include uninsured driver cover which protects your excess and your no claims discount. Bring us what you have and we will tell you honestly where you stand.

If you have been hit by someone else anywhere around Grantham, Sleaford, Bourne, Stamford or Newark, call 07956 786622 before you call your insurer.

Non fault accident in Grantham: your rights explained