It was not your fault. That changes your options.

A non-fault accident is one where another party was responsible. Being hit from behind while stationary is the clearest example, but it also covers being hit while parked, being pulled into at a junction and a range of other situations where liability rests elsewhere.

It is not the same as you being certain it was not your fault. Liability is ultimately determined between the insurers on the evidence, which is why photographs, witness details and a prompt report matter so much.

When you report an accident, insurers commonly direct you towards their own approved repair network. In most cases you are not obliged to accept that, and you can have the vehicle repaired by a repairer of your choosing.

That matters if you would rather the work was done by people who will talk to you directly about what the repair involves, and who assessed the damage in the first place. It is your vehicle, and you are entitled to have a view about who works on it.

We would encourage you to check your own policy terms, since they vary, and to speak to us if you are unsure what your position is.

Depending on the circumstances, a non-fault claim can extend beyond the repair itself. Recovery, storage, the cost of replacement transport, damaged personal property, and losses such as loss of earnings may be recoverable as part of an eligible claim.

We can assist with pursuing those. What we cannot do is tell you they will be paid — that depends on the facts of your case and on the insurer involved. Anyone who guarantees you an outcome at this stage is telling you something they cannot know.

Recovery, secure storage, a replacement vehicle where you are eligible and one is available, the repair itself, and the administration of the claim around all of it — coordinated by one team, so you are not the person joining up four companies who each have part of the story.

If anyone was injured, we can also refer you to our panel of personal injury specialists. We are not a law firm and we do not give legal advice, so injury matters go to people who do that properly.