Download the free Uninsured Accident Checklist (PDF)
The principle: at-fault drivers are liable for damage
In NSW, the driver who caused the accident is generally responsible for the resulting vehicle damage. That right to recover your costs doesn't depend on you having comprehensive insurance — it depends on proving the other driver was at fault.
Step 1 — Gather your evidence
The stronger your evidence, the smoother the process. Collect:
- Photos of both vehicles, the scene and the damage
- The other driver's name, address, rego and insurer
- Witness details and any police event number
- A written, itemised repair quote
Step 2 — Get a proper repair quote
You can't recover a cost you can't prove. A vague figure won't cut it — you need a clear, itemised quote from a reputable repairer. We provide exactly that, broken down so the other party or their insurer can see it's fair.
Step 3 — Write a letter of demand
A letter of demand sets out what happened, that the other driver was at fault, and the amount you're claiming (your repair quote), with a reasonable deadline to pay. Many matters are resolved at this stage.
Step 4 — NCAT, if it comes to it
If they still won't pay, you can lodge a claim through the NSW Civil and Administrative Tribunal (NCAT) for motor vehicle property damage up to its limit. It's designed to be accessible without a lawyer.
Where we fit in
We give you the honest, documented quote that underpins your whole claim — and we fix your car to factory standard, backed by our lifetime warranty. See how we support uninsured customers.
This guide is general information, not legal advice. For your specific situation, consider speaking with a solicitor or your local community legal centre. We're always happy to provide an honest, itemised repair quote to support your claim.
