Not-at-fault car accident claims Melbourne

Making a car insurance claim when the other driver is at fault

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What to do after a not-at-fault car accident?

If you’ve been in a car accident and you’re not at fault, you may be eligible to claim the full cost of repairs through the at-fault driver’s insurer. This often means you won’t need to lodge a claim with your own insurer or pay an excess, provided the at-fault driver is insured and identified.

Unfortunately, waiting for the other driver to act can slow everything down. That’s where Sheen helps. We organise the quote, communicate with your insurer (or the at-fault driver’s insurer if you’re uninsured), and manage your not-at-fault accident repairs from start to finish.

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How to start your not-at-fault insurance claim

If you’ve been in an accident that wasn’t your fault, the first step is to assess your vehicle. At Sheen, we’ll handle the rest.

To get started, simply upload photos of the damage via our online form or visit your nearest Sheen location. From there, we’ll:

  • Arrange a detailed quote for your insurance provider.
  • Contact your insurer to help lodge the claim.
  • Liaise with the at-fault party’s insurer if you're uninsured.
  • Begin repairs as soon as the claim is approved.

We’ll also organise a replacement vehicle if you’re eligible — even if your policy doesn’t include one. With Sheen, there’s no need to wait for the other driver to take action. We’ll help you take control of your not-at-fault insurance claim from day one.

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The claims process

Here's how we make the repairs process easier. Remember to give us a call first to get started.

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Contact us

Get in touch with Sheen via phone or upload your smash to get started on repairs and your insurance claim.

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Drop off or pickup

To get a quote, bring your vehicle to your nearest workshop, or have it towed by Sheen.

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Repairs begin

Drive away in an accident replacement vehicle while our team starts to repair your vehicle.

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Pick up

Your vehicle is back to pre-accident condition. You can pick it up or we can deliver it to you.

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Contact us

Get in touch with Sheen, and we’ll arrange a quote for your insurance provider to authorise.

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Pick up

We’ll come to pick up your vehicle and deliver it to a Sheen workshop near you.

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Replacement vehicle

We can offer you a replacement vehicle if your insurance company doesn’t provide one.

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Drop off

We can deliver your repaired vehicle to you, and pick up our replacement vehicle.

frequently asked 
questions about 
insurance

What should I do after an accident that wasn’t my fault?
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A recent study by Right2Drive found that 74% of Australian drivers are unaware of their rights after a not-at-fault car accident, including entitlements to claim the cost of repairs and access a replacement vehicle.

If you’re involved in a car accident where the other driver is at fault, start by ensuring everyone is safe and, if possible, move the vehicles out of traffic. Exchange details, take clear photos of the damage and the scene, and avoid admitting fault — the insurers will determine liability based on the evidence.

Once you’ve gathered the details, contact Sheen. We’ll assess the damage, help you begin your not-at-fault insurance claim, and arrange a replacement vehicle while your car is off the road. If you’re unsure what details to collect or how to build your case, check out our guide on how to prove you were not at fault in a car accident.

Do I need to pay an excess if I wasn’t at fault?
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If you are the at-fault driver, we’ll still help you. Contact our team, and we’ll liaise with your insurer on your behalf while we repair your smashed vehicleIf you weren’t at fault and the other driver is identified, you generally won’t need to pay an excess, especially if your insurer can recover the costs from the at-fault party. However, some insurers may require the excess upfront and refund it later.

At Sheen, we’ll help you understand whether your excess applies and liaise with your insurer to fast-track the repairs. You can also read more about what to expect in our article on paying an excess for a not-at-fault accident..

Can I choose who repairs my car in a not-at-fault claim?
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Yes — most comprehensive car insurance policies allow you to nominate your preferred repairer. This means you can choose Sheen rather than going with an insurer-appointed repairer, which often helps you avoid generic service or extended wait times.

By choosing Sheen, you’ll get fast, expert panel beating repairs and a replacement vehicle while your car is restored. If you’re unsure how to compare your options, our blog on the top 5 questions to ask your panel beater can help you know what to look for in a quality repairer.

What happens if the other driver doesn’t respond to their insurer?
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If the at-fault driver refuses to cooperate or delays their claim, it can slow things down, but you’re not without options. If you’re insured, your insurer can begin repairs and pursue recovery directly. If you’re uninsured, Sheen can work with the at-fault party’s insurer if the other driver is identified and holds valid insurance.

We’ll assess your vehicle, prepare a repair quote, and help move your claim forward — even if the process is stalled on the other side.

Should I make a claim for a minor not-at-fault accident?
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Even minor accidents can lead to hidden damage. While it might seem more straightforward to handle it privately, a professional assessment can help you decide whether lodging a claim is the better choice.

Sheen offers no-obligation quotes and will explain your options clearly. If you're unsure how to handle low-impact crashes, this article on what to do after a minor car accident is a great place to start.

GET YOUR QUOTE

To offer you a quote, we’ll need photos detailing the damage done to your vehicle. Upload your photos, and we’ll send through a competitive quote as soon as possible.

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