Do I have to go through my own insurance?

No. If you’re not at fault, we can manage everything without involving your insurer.

Will I have to pay anything?

If the accident wasn’t your fault, you pay nothing. We recover all costs from the at-fault party’s insurer.

Can I get a replacement taxi or PCO vehicle?

Yes! We specialise in PCO-licensed and hackney cab replacements – delivered quickly so you don’t lose income.

What if my vehicle is written off?

We’ll recover its full pre-accident value and ensure you have a replacement car in the meantime.

How quickly will I get a courtesy car?

Often the same day, depending on your location and vehicle type.

Do you cover motorcycles and vans?

Yes. Our fleet includes motorbikes, vans, and even commercial vehicles.

Injured in a Car Accident That Wasn’t Your Fault (UK Guide) - Nova Motor Assist

Injured in a Car Accident That Wasn’t Your Fault (UK Guide)

Introduction

Being injured in a car accident is stressful enough — but when it wasn’t your fault, you shouldn’t have to deal with the financial or emotional fallout.

Many UK drivers don’t know what to do next: who to call, what evidence to gather, or how to claim compensation.

This guide explains exactly what to do if you’re injured in a car accident that wasn’t your fault in the UK, and how Nova Motor Assist helps you get back on your feet with recovery, repairs, and full claims support.

If you’re injured in a car accident that wasn’t your fault, call emergency services, gather evidence, and report the accident immediately (FNOL). You can claim compensation for injuries, lost earnings, and expenses through the at-fault driver’s insurer. Nova Motor Assist manages the full process, from recovery to replacement vehicles and ULR.

1. Check for Injuries and Stay Safe

Stop immediately and check yourself and others for injuries.
If anyone is hurt, call 999 for emergency services.
Move to a safe location if possible and switch on hazard lights.

👉 Never leave the scene of an accident until it’s safe and legal to do so.

2. Gather Evidence at the Scene

Evidence is key to proving you weren’t at fault. Try to collect:

Photos of all vehicles, number plates, and road conditions.
Contact details of witnesses and the other driver.
Dashcam footage (if available).
Police reference number (if they attend).

Nova Motor Assist can use this information to handle your claim efficiently.

3. Report the Accident (FNOL)

The First Notification of Loss (FNOL) is the first official report of your accident.
Report the incident as soon as possible to your insurer or Nova Motor Assist.

We’ll log all accident details, contact insurers, and arrange:

Vehicle recovery and secure storage
A like-for-like replacement car
Medical assessment if required

4. Seek Medical Attention

Even if you feel fine, symptoms like whiplash or soft tissue injuries can appear days later.

Visit your GP or a medical centre immediately.
Keep all medical records and receipts — they support your claim.

5. Know Your Right to Claim Compensation

If the accident wasn’t your fault, you can claim compensation for:

Personal injury (pain and suffering)
Medical expenses
Loss of earnings
Vehicle repair or replacement costs
Travel and out-of-pocket expenses

6. How Nova Motor Assist Helps You Recover

24/7 FNOL support – report your accident anytime.
Immediate recovery and storage – your vehicle is collected safely.
Like-for-like replacement car – delivered quickly so you can stay mobile.
Approved repairs – managed through trusted UK body shops.
Uninsured Loss Recovery (ULR) – we claim your excess, income loss, and other expenses from the at-fault insurer.
Personal injury coordination – we work with trusted solicitors for medical and injury claims if needed.

7. Who Pays After a Non-Fault Injury Accident?

If another driver caused the accident, their insurer is responsible for:

Your vehicle damage and repair costs
Hire car expenses
Injury compensation
Uninsured losses like income or travel costs

Nova Motor Assist manages these claims directly with the at-fault insurer, so you don’t face long delays or confusing paperwork.

8. Common Mistakes to Avoid

Admitting fault at the scene.
Failing to get medical attention.
Not collecting evidence.
Waiting too long to report FNOL.
Accepting low settlement offers from insurers.

FAQs: Injured in Car Accident Not My Fault UK

1. Can I claim compensation if I was injured but not at fault?

Yes. The at-fault driver’s insurer must cover your injuries, medical costs, and other losses.

2. How much can I claim for injury compensation?

It depends on your injury type and severity. Solicitors or claims specialists can calculate this based on UK guidelines.

3. Who arranges my hire car and repairs?

Nova Motor Assist arranges recovery, like-for-like replacement vehicles, and repairs — all at no cost if you’re not at fault.

4. What if the other driver was uninsured or drove off?

You can still claim through the Motor Insurers’ Bureau (MIB), and Nova Motor Assist helps with this process.

5. How long do I have to make a claim?

In the UK, you generally have three years from the accident date to file an injury claim.

Conclusion

After a non-fault car accident, the most important step is to stay calm, record everything, and seek help early.

With Nova Motor Assist, you’ll have a team handling every detail — from recovery and replacement vehicles to uninsured loss recovery and injury claims — so you can focus on healing.

👉 Don’t face it alone. Call Nova Motor Assist today and let us handle your accident recovery, fast and stress-free.