Will I pay more for my car insurance if I am at fault? Invariably, this means that your insurance provider will almost certainly contact you for further information about the reported accident. In the event of an accident, insurance providers will investigate who was at fault, before making a decision on a claim. If the third party tries to make a claim on your insurance when you weren’t at fault, or indeed, where an accident has not actually occurred, then you’ll still know about it. Fraudulent claims - You could also find yourself a target of a fraudulent insurance claim.They may also try to make a claim even though you weren’t (in your opinion) at fault. Genuine Claims - Following an accident, a third-party driver involved may say at the scene that they do not intend to make a claim, but then later decided that they wish to.There are 2 scenarios where you might find yourself subject to an insurance claim, without expecting to be: – Which is useful to know, should you ever be subject to an incident of a ‘hit and run.’ You can also find out the details of the registered keeper without knowing which insurance company the other driver is with, by asking the police to track down this information and make contact for you. You could then get in touch with the third-party’s insurance company without a policy number. However, it is possible to obtain the details of the registered keeper of a vehicle just from the registration plate (via a Subject Access Request from the DVLA). It is difficult, although not impossible for someone to make a claim against your car insurance without your insurance details.įollowing any accident, the parties involved should have exchanged relevant insurance details. your insurer pays 70% while the other party pays 30%.Ĭan someone claim on my car insurance without me knowing? In some cases there could be a liability split, e.g.
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