I had an accident. I am not insured or I will not claim on my car policy. The other party’s insurance has sent me a letter asking me to pay them money for the damage they say I did to their insured person’s car. What if I don’t believe that I am at fault?

We are not able to give you detailed advice about whether you are or are not at fault.

If you want to dispute liability, you are welcome to contact the police to determine whether the road rules will support you not being at fault. In cases where you believe that you are only partly at fault, you should raise this with the other party’s insurance company but we encourage you to consider making a settlement offer based on what you believe you should be responsible for.

Any settlement offer that you make should be in writing. It should also have the words ‘without prejudice’ at the top of the letter and somewhere in the body of the letter you should use the words ‘in full and final settlement of this matter’.

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