Guides & advice
Know where you stand, before you call anyone
Plain-English answers to the questions NSW drivers actually ask after an accident that wasn't their fault. No jargon, no scare tactics, and the honest fine print included.
After an accident
The first hours and days: what to do, what to collect, who pays for what.
What to do after a not-at-fault car accident in NSW
The step-by-step checklist for the first minutes, hours and days: what the law requires, what protects your claim, and the traps that cost drivers money.
4 min read Read guideWhat details to exchange after a car accident: NSW checklist
The particulars NSW law says you must swap, the extras that make your claim easy, and what to do when the other driver refuses or drives off.
3 min read Read guideWho pays for towing after an accident?
Accident towing in NSW is regulated, and if you weren't at fault, it generally shouldn't be your bill. The rules, the fees and the holding-yard trap.
3 min read Read guideClaims & insurance
Claiming against the at-fault insurer, excess, premiums and your rights.
How to claim against the at-fault driver's insurer
You don't have to claim on your own policy when the crash wasn't your fault. The direct route, step by step, and where it gets harder than it looks.
3 min read Read guideDo I pay an excess if the accident wasn't my fault?
Sometimes yes, sometimes no. It depends entirely on which route your claim takes. The three routes, the waiver rules, and how to keep your money in your pocket.
3 min read Read guideWill a not-at-fault accident affect my insurance premium?
The honest answer: it can, but usually far less than an at-fault claim, and often not at all if you claim the right way. Here's how insurers actually treat it.
3 min read Read guideHire cars & replacement vehicles
Staying on the road while your car is repaired: who pays and for how long.
Who pays for a hire car after a not-at-fault accident?
The at-fault driver's insurer, in most cases, but only if the hire is 'reasonable'. How the money actually flows, and the honest list of when costs can land on you.
3 min read Read guideNot-at-fault hire car vs courtesy car: what's the difference?
Courtesy car, insurer hire benefit, not-at-fault hire: three things that sound the same and behave completely differently. The fine print, side by side.
3 min read Read guideHow long can you keep a replacement car?
For the 'reasonable period': which sounds vague until you know how it's measured. Repair timelines, write-off settlements, and what legitimately extends the clock.
3 min read Read guideWhat does 'like-for-like' replacement vehicle mean?
Not the same badge: the same capability. The standard behind the phrase, what it looks like class by class, and what to do if you're offered a downgrade.
3 min read Read guideRepairs & write-offs
Choosing a repairer, repair quality, and what happens when a car is written off.
Can I choose my own repairer after an accident in NSW?
Usually, yes, especially when you're not at fault. Your rights on both claim routes, why insurers steer, and how to exercise the choice without drama.
3 min read Read guideYour car was written off in a not-at-fault accident: now what?
Total loss doesn't mean total confusion. How write-offs are decided, what you're owed, the market-value negotiation, and the car you drive in the meantime.
3 min read Read guideFault & disputes
How fault is decided in NSW and what to do when the other driver disagrees.
Who is at fault in a rear-end collision?
Usually the driver behind, but not always. The rule, the genuine exceptions, chain collisions, and what to do if you've just been rear-ended in Sydney.
3 min read Read guideHow is fault determined after a car accident in NSW?
Not by whoever shouts loudest. Who actually decides liability, the evidence hierarchy, the road rules as yardstick, and what shared fault does to your claim.
3 min read Read guideThe other driver denies fault: what now?
A denial is a tactic, not a verdict. How to lock in evidence fast, how disputes actually get resolved, and the traps that turn a strong case into a shrug.
3 min read Read guideReading done. Ready for answers about your accident?
One call with a Sydney specialist tells you exactly where you stand.
Eligibility is confirmed after we review your accident. One quick call is all it takes.