Did you know, you are entitled by law to be in a vehicle equal to its value prior to any accident? Unfortunately, many insurance companies do not adhere to this and will only give you the amount your car is worth after the accident (or thereabouts.) If an accident is not your fault, then you can easily claim the additional value of your car with insurers. But what about if it was your fault? The rules are slightly different but it is certainly worth pursuing. Insurance companies won’t advertise these things because they would be at a loss financially. To put it simply: They are trying to con you.
It’s called a ‘non-fault’ accident claim. Essentially, if the accident wasn’t your fault then the insurance company are more likely to cover the claim. But you have to make sure they cover the exact value of your car prior to the accident. The best thing to do is keep regularly updated with the value of your car. Research the internet to see what cars like yours are selling for and do some number crunching.
In terms of third party insurance, you can normally claim on the insurance of the person whose fault it was. Sounds complicated, but it really isn’t. This helps with things like no-claims discounts. At the very least, you want to be claiming on their insurance and not yours.
For more information on this topic, we suggest reading this article from US Switch https://www.uswitch.com/car-insurance/car-insurance-drivers-with-non-fault-claims/