A non-fault claim is when your insurer can recover all costs from another party.

A fault claim is when your insurer cannot recover the costs (even if the accident wasn’t your fault).

Examples:

• Someone hits your car and your insurer recovers the cost → non-fault
• Your car is damaged, we have paid for repairs but we cannot recover the full costs → fault

Important:

• All claims must be declared to insurers, whether fault or non-fault
• If your claim is still ongoing, it may be treated as fault until costs are recovered