Can I claim for vehicle damage if the accident wasn’t my fault?

Yes — if the accident was not your fault, you are entitled to: ✅ Free repair or replacement of your vehicle ✅ Like-for-like courtesy / hire car ✅ Recovery and storage costs ✅ Vehicle write-off (market value payout) if beyond repair ✅ Additional losses (example: travel, taxi fares, etc.) You do not have to claim through your own insurer — you may use a claims handler or legal representative instead, which is often faster and protects your no-claims discount.