Another driver failed to look?
Here’s how Dash Claims helps you move forward.

How can Dash Claims help after a non-fault accident?

For accepted claims, we coordinate recovery, suitable replacement transport and repairs, then seek reasonable accident-related costs from the at-fault insurer. No policy excess is payable to Dash Claims. Tell us about other losses too, including an excess already paid elsewhere, damaged belongings or evidenced lost earnings. We assess what can be pursued and arrange legal referral where appropriate.

We arrange replacement vehicle hire subject to status.

Speak to Dash Claims: 0300 304 6300 ↗

What is the leading recorded collision factor?

The Department for Transport’s 2025 road safety figures identify ineffective observation by a driver, rider or pedestrian as the most commonly recorded individual factor. It appeared in 50% of fatal or serious collisions in the dataset where at least one road safety factor was assigned.

That does not mean half of all non-fault insurance claims have this cause. The figures concern police-reported injury collisions in Great Britain, multiple factors can be recorded, and a recorded factor does not decide legal responsibility. Many damage-only parking bumps are outside these statistics.

For a driver affected by someone else’s poor observation, the practical questions are immediate: can I use my car, how will I get to work, and how do I recover my losses?

Common situations where drivers ask us for help

• Another vehicle pulls out of a junction into your path.
• A driver enters a roundabout without giving way when required.
• A vehicle moves into your lane without checking it is clear.
• You are struck from behind while stationary or slowing.
• Someone reverses or parks into your car or van.

These are examples of claims we can assess, rather than an official ranking. We review the evidence in each case; an accident description alone does not establish fault.

What does “non-fault” mean? In everyday terms, you may mean another person caused the accident. Insurers also use fault status to describe whether they have recovered their costs. An incident can therefore be recorded as a fault claim while recovery is unresolved, even when you dispute responsibility. We assess the evidence and recovery route rather than relying on the label alone.

The Dash Claims approach: one team coordinating the next steps

1. Listen, assess and preserve the evidence

Tell us the accident date, location, vehicle details and your account of what happened. Photographs, dashcam footage and witness details can help establish the circumstances. We review the information and explain whether we can accept your non-fault claim.

Tell us about any insurer offer, recovery, hire or repair already arranged. This helps us avoid duplicated services and unnecessary costs.

2. Arrange recovery and storage where needed

If your vehicle cannot be driven safely, we can coordinate appropriate recovery and storage for an accepted claim. Give us its exact location and any collection restrictions. Do not drive a damaged vehicle simply to avoid inconvenience.

3. Keep you mobile with suitable replacement transport

We assess how you use your vehicle and what replacement you reasonably need. A private motorist, a driving instructor and an owner-operator may have very different requirements.

For instructors, tell us whether you teach in a manual or automatic, your dual control requirements and any upcoming tests. Our specialist instructor support focuses on keeping lessons and earnings moving. Fleet and commercial customers should explain their operational requirements so we can check suitable options.

Replacement arrangements depend on claim assessment, need and availability. We arrange replacement vehicle hire subject to status.

4. Coordinate assessment and repairs

We organise the next steps with the relevant engineers and repairers, help manage the repair process and keep you informed. Our repair management service gives you a point of contact while your vehicle is off the road.

5. Pursue the responsible insurer and eligible losses

On accepted non-fault claims, we deal with the at-fault insurer and seek recovery of reasonable accident-related costs. You pay no policy excess to Dash Claims. We explain any service agreement and payment responsibilities before you proceed.

We also help identify losses that may otherwise be overlooked and, where appropriate, refer you to an independent solicitor to pursue them. Recovery depends on evidence, responsibility, reasonableness and the circumstances of the claim.

What losses should you tell us about?

Tell us about the financial effect of the accident, even if you are unsure whether an item can be recovered. Keep a clear record of dates, payments and supporting documents.

• Vehicle damage: assessment and reasonable repair costs, or the vehicle’s pre-accident market value if it is a total loss.
• Recovery and storage: necessary, reasonable charges associated with the collision.
• Replacement transport and travel: reasonable costs arising from your actual transport needs.
• An excess already paid elsewhere: provide the receipt or settlement deduction so we can discuss potential recovery.
• Lost earnings or business losses: keep lesson diaries, cancellation records, invoices and accounts showing the actual financial loss.
• Damaged belongings: retain photographs, purchase details and repair or replacement evidence.

These are possible heads of loss, not automatic entitlements. You should take reasonable steps to limit avoidable costs. A cancelled booking does not always equal the full booking price as a recoverable loss, particularly where costs were saved or work was rearranged.

Total loss? The valuation deserves careful attention

If your vehicle is written off, tell us its specification, mileage, condition and service history. We help review the proposed pre-accident market valuation and supporting evidence. A dealer’s trade purchase offer is different from the retail market value of a comparable vehicle. Trade valuation guides can provide useful retail market evidence; we consider the relevant figures alongside your vehicle’s specification, mileage, condition and history. An advertised asking price alone does not establish the correct settlement.

Finance settlement and salvage retention are separate issues that need to be considered before accepting an arrangement. A market-value payment may not clear outstanding finance. Read our Kilmarnock total-loss claim story for an individual example; results vary between claims.

What about my no-claims bonus?

Our accepted non-fault route pursues the responsible insurer rather than claiming repair costs under your own comprehensive cover. No policy excess is payable to Dash Claims. Reporting an incident without making a claim should be treated as notification only, with no reduction in your no-claims bonus on that basis alone. A third-party claim against you or an unresolved recovery can change the position. Your insurer controls how it records incidents and calculates premiums, so we cannot promise that a non-fault accident will never affect your renewal price.

What if I have been injured?

If you have been injured, seek appropriate medical care and tell our team. We can discuss referral to an independent legal representative. For Scottish injury claims accepted under our partner solicitors’ 100% compensation offer, the solicitor guarantees no solicitor’s fee is deducted from your compensation, subject to their terms. They explain funding and eligibility before you proceed.

What to do after the accident

Put safety first and call the emergency services where needed. Exchange the required details and preserve photographs and footage when safe. Report the accident to your insurer even if you are not claiming under your policy; follow applicable police reporting requirements too. Notification and making a claim are different steps.

Keep receipts and a short record of the disruption. Before agreeing a cash settlement, repair or hire arrangement, make sure you understand what it covers and what you are signing.

See how we help real clients

Explore the Troon client helped with replacement transport and repair arrangements on a Sunday, or the London instructor supplied with an Audi Q2 dual control replacement. These individual cases show the practical focus of our service.