What does “disputed liability” mean?
Liability is disputed when the drivers or insurers do not agree on who caused the accident. This can make the claims process more complicated because insurers may need to review photographs, dashcam footage, witness statements, road position, vehicle damage, and other evidence before deciding who was at fault.
Why might the other driver deny fault?
The other driver may deny fault if they believe the accident was unavoidable. They may also deny fault if there are conflicting accounts of road positioning or if they have misunderstood the circumstances of the collision.
What evidence is most useful if the other driver denies fault?
If fault is contested, the quality of your evidence is the deciding factor. Ensure you have:
- Dashcam footage: Often the most powerful evidence.
- Independent witness details: Critical for objective accounts.
- Detailed scene photos: Including damage, road markings, and position.
- Police reference number: If applicable.
- Accident location: And direction of travel.
- Verbal admissions: Any comments or admissions made at the scene.
Does a police report help?
Yes. If the PSNI attended the scene, their incident reference number is vital. It provides an objective record that helps insurers settle liability disputes faster.
How do insurers investigate disputed liability?
Insurers will review the evidence provided by both parties to determine fault. This is why preserving your own evidence immediately after the accident is essential to supporting your version of events.
Will disputed liability delay repairs?
Disputes can sometimes cause delays. However, our expert team works to minimise these by proactively managing the claims process and liaising with insurance companies on your behalf.
Can I still get a replacement vehicle?
Yes. If the accident was not your fault, CRASH Services may be able to arrange a replacement vehicle while we manage the liability dispute with the at-fault insurer.
How can CRASH Services help with disputed liability?
Navigating a dispute alone can be complex and intimidating, especially when dealing with insurance bureaucracy. If the other driver disputes responsibility, CRASH Services can help you gather evidence, manage insurer communication, and access legal support where needed.
