💸 Do Insurance Premiums Increase After a Not-at-Fault Accident?

After an accident, one of the first concerns most drivers have is whether their insurance premium will increase — even if the accident wasn’t their fault.

The good news? If you manage your claim through Direct Claims Melbourne, your insurance premium generally stays the same.

⚖️ Why Your Premium Can Stay Unchanged

When you’re involved in a not-at-fault accident, the cost of repairs and replacement vehicles can be legally recovered from the at-fault driver’s insurer.

That means your own policy isn’t impacted, and your insurance record remains clean — as long as you handle the claim correctly.

🚫 The Common Mistake: Lodging Through Your Own Insurer

If you lodge your claim directly with your insurer, they may:

• Pay for the repairs upfront, then chase reimbursement later.

• Record the event as a “claim” under your policy, even though you weren’t at fault.

This can result in unfair premium increases — something many Australian drivers experience after not-at-fault accidents.

✅ How Direct Claims Protects You

At Direct Claims Melbourne, we act as your independent accident management company, ensuring you’re fully protected from unnecessary costs or policy marks.

Here’s how we do it:

• 🧾 Independent claim management — you don’t need to contact your insurer at all.

• 💰 No excess fees — avoid paying your insurer’s excess upfront.

• 🔄 Direct recovery — all costs are claimed directly from the at-fault driver’s insurer.

• 🧼 Clean policy record — no claim is recorded under your own insurance policy.

⚖️ 100% Legal Under Australian Law

This process is completely legal and compliant with Australian consumer and insurance law.
It simply gives you the freedom to manage your not-at-fault accident without being penalised for something that wasn’t your fault.

🔍 Transparency and Peace of Mind

At Direct Claims, we believe in full transparency.
You’ll be kept informed at every stage of the process — from claim lodgement to vehicle repair and hire car delivery.

Our goal is to get you back on the road quickly, safely, and with your insurance record untouched.

🚗 Protect Your Premium — Contact Direct Claims Today

If you’ve been in a not-at-fault accident, don’t risk higher premiums by going straight to your insurer.
Contact Direct Claims Melbourne and let our team handle the process for you.

👉 Call 03 8589 2281 or start your claim online today —
and stay protected from unnecessary costs or premium increases.