No insurance? Not at fault?
Not at fault, but no insurance?
Here's the part nobody tells you: your right to claim against the at-fault driver doesn't depend on you having comprehensive insurance. If someone else caused the accident, you can still get your car repaired and a replacement to drive, at no cost to you, if you're eligible.
- No comprehensive cover needed
- Claim against their insurer
- Repairs + replacement car
- Honest advice first
CTP isn't comprehensive, and that's okay
In NSW, the green slip (CTP) you must carry only covers injuries to people, not damage to cars. Comprehensive insurance is optional, and plenty of careful drivers skip it on older vehicles. Driving without comprehensive cover is completely legal.
The catch appears after a crash: with no comprehensive policy, there's no insurer of your own to call. But when the accident wasn't your fault, that matters less than you'd think, because your claim was never really against your own insurer anyway. It's against the at-fault driver and their insurer.
That's precisely the claim Crash Assist runs. We manage the not-at-fault claim, repair your car at our own repair facilities and put you in a replacement vehicle if you're eligible, recovering the costs from the at-fault side, not from you.
Uninsured & not at fault?
- You can still claim: against the at-fault insurer
- Repairs at no cost to you, if eligible
- Replacement car while yours is repaired, if eligible
- No comprehensive policy required
- We tell you straight if we can't help
Eligibility depends on the accident circumstances: confirmed in one quick call.
What to do right now
Secure the details
Registration, name, licence and insurer of the other driver, photos of the scene and damage. Here's the full checklist.
Don't pay for anything yet
Not repairs, not a rental. Money you spend before advice can be hard to recover, and if you're eligible, you shouldn't be spending it at all.
Call us for a straight answer
We confirm fault, check the other vehicle's insurance status and tell you exactly what's recoverable. No obligation.
We take it from there
If you're eligible: repairs at our own repair facilities, a replacement car delivered, and recovery handled by us from the at-fault side.
Who can we help?
For uninsured not-at-fault drivers, eligibility looks much like any other claim:
- The accident was fully or mostly the other driver's fault
- You have the at-fault driver's details: name, rego and insurer
- Your car was damaged and you need repairs, a vehicle, or both
- The accident happened in NSW
The honest fine print
Where the at-fault driver is uninsured, recovery becomes less certain and we'll be upfront about the odds before anyone commits to anything. All services are subject to eligibility and our Terms.
Take the 60-second checkThe three uninsured scenarios
"Uninsured" means something different depending on who skipped the cover. Here's how each plays out:
| Scenario | What it means | How we can help |
|---|---|---|
| You're uninsured, the at-fault driver is insured | The most common case. You claim your losses (repairs, towing, a replacement car) from their insurer directly. | This is our core service: we run the claim, repair your car and keep you driving, at no cost to you if eligible. |
| You're insured, the at-fault driver is uninsured | Their insurer doesn't exist, so recovery targets the driver personally, slower and less certain. Your own comprehensive policy may cover you (uninsured-motorist extensions are common). | We assess realistically: sometimes your own policy is the smarter route, and we'll say so. Where recovery from the driver is viable, we can pursue it. |
| Neither of you is insured | Recovery still runs against the at-fault driver personally, with the same caveats: their capacity to pay matters. | Call us before spending anything. We'll give you an honest read on whether pursuing it stacks up. |
Whatever your scenario, don't admit fault, collect the other driver's details and photos, and get advice early. The after-accident checklist covers the essentials.
Uninsured driver questions
Is it illegal to drive without comprehensive insurance in NSW?
No. Only CTP (green slip) insurance is compulsory in NSW: you buy it before your car can be registered. Comprehensive and third-party property cover are optional; many registered cars carry neither.
The accident wasn't my fault but I have no insurance. Can I really claim?
Yes. Your claim is against the at-fault driver and their insurer, not your own. Being uninsured doesn't remove that right; it just means you don't have a backup if fault is disputed, which is where evidence matters.
Can I get a replacement car with no insurance?
If you're not at fault and eligible, yes: the replacement vehicle runs on the claim against the at-fault insurer, so your own insurance status isn't the deciding factor. See how not-at-fault hire works.
I was hit by an uninsured driver. Am I stuck?
Not necessarily. If you have comprehensive cover, your policy may respond (check for an uninsured-motorist extension and excess terms). Beyond that, recovery from the driver personally is possible. We'll tell you honestly whether it's worth pursuing.
The other driver offered me cash to skip insurance. Should I take it?
Be very careful. Roadside cash offers are almost always below the real repair cost, and accepting can complicate a later claim. Get the damage professionally assessed first. We'll quote it so you know the real number before you decide.
Does the police report matter more when I'm uninsured?
It helps. With no insurer of your own to back you, independent evidence (police event numbers, witnesses, dashcam) carries more weight in establishing fault. Report the accident if it meets NSW reporting requirements.
Related services & reading
No insurance doesn't mean no options.
Tell us what happened. We'll tell you exactly where you stand, before you spend a cent.
Eligibility confirmed after we review your accident. Honest answers either way.