What is liability?
Liability means legal responsibility for an accident, injury, or damage. If you are found liable, it means you are considered responsible for what happened.
Why am I considered at fault?
If liability has been accepted against you, it may be for a number of reasons. For example: The other driver may have had priority on the road The available evidence may suggest you were responsible There may not be enough evidence to support your version of events If no other party is involved (for example, hitting an animal), we are usually unable to recover costs, so the claim is treated as fault. Our team reviews every claim carefully using the available evidence and aims to reach a fair outcome.
Why is my claim disputable?
A claim is disputable when it’s not clear who is at fault. In these cases, we need to investigate further before making a decision. This may include reviewing: Photos Driver and witness statements Dashcam footage Third-party information While this is ongoing, your claim may remain open until liability is agreed. We will keep working to achieve the best possible outcome for you.