The main reason is – most people don’t know their rights after an accident that wasn’t their fault. Your rights after a non-fault accident include the right to be put into a like-for-like courtesy car (not a small car provided by a garage or insurance company that is often suggested by them) while yours is repaired.
In addition, not having to pay your excess and also losing and no-claims discount are often some of the first things on someone’s mind after an accident.
If you are unsure about any of these, please call our claims advice line on 0333 444 1609 and one of our team will be able to give you no-cost advice.