Certified & insured electricians
In a Not at fault accident?
Know your rights
Fast & trusted AI estimator available 24/7 for emergency quote, and repairs.
Did someone just hit your car? Take a breath. If you are not at fault, you shouldn't have to pay a single cent—not for the repair.
Do this Before You Leave the Scene
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Get the "Big Four" Details
To prove you aren't at fault, you legally need the other driver's Name, Phone Number, Address, and Vehicle Registration (Rego). Take a photo of their driver's license if they allow it.
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Admit nothing, document everything
Do not apologize (it can be twisted as admitting fault). Take wide photos of the scene, the position of the cars, and close-ups of all the damage.
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Run a PanelAI Quote immediately
Before you drive away, upload a photo of your damage to the PanelAI app. Getting an instant, independent repair estimate right there on your phone gives you the financial upper hand before the other driver tries to change their story.
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Decide your path
With your AI quote in hand, you can confidently decide whether to let them pay cash, go through your insurance, or claim directly against their insurer.
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HOw AI SAVES YOU
Choose Your Scenario
Someone hit me, but I only have third-party insurance. My insurer won't help me. What do I do?
This is a massive trap for young drivers. If you don’t have comprehensive insurance, your insurer will tell you, “Sorry, you have to chase the at-fault driver yourself.”
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The AI Solution:
You need independent proof of the repair cost to legally demand payment from the other driver. Run your damage through PanelAI to get a data-backed repair estimate. We can connect you with a independent vehicle assessor to provide a comprehensive legal estimate. You can email this quote directly to the at-fault driver (or their insurer) as your official "Letter of Demand" to get your car fixed at a local panel beater at their expense.
They begged me not to use insurance and want to settle for cash. Is this safe?
Many at-fault drivers want to avoid insurance to protect their premium. Settling privately is completely legal, but it’s highly risky if you don’t know the true cost of repairs.
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The AI Solution
Use our AI tool to act as a neutral referee. If our AI says the damage costs $1,200, show them the quote on your phone. you tell them to wait till you get a firm quote from a verified smash repairer, you can walk away happy and book a local repairer through our app. If they argue or refuse, tell them you are going through insurance.
The at-fault driver's insurance company is calling me and telling me where to take my car. Do I have to listen to them?
Absolutely not. The other driver’s insurance company is trying to control the claim to save themselves money. They will try to steer you to their “cheap” network repairers. You will miss the opportunity to get a replacement car that your entitled to.
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The AI Solution
You are the victim, which means you have the legal right to choose who repairs your car and replacement car. Use PanelAI to get an independent estimate and connect with a verified, high-quality local smash repairer who works for you, not for their insurance company.
Advice
Should you settle for cash or use insurance
When someone hits you, they will often say, ‘Hey, my mate is a panel beater, just take it to him and he’ll fix it for me.’ Never, ever do this. You have no guarantee on the quality of work, and if ‘the mate’ uses cheap aftermarket parts or does a dangerous repair, you have no legal comeback. Use PanelAI to get an independent quote and choose your own verified repairer, let us help you get a replacement car and take the hassle away. You are the victim; you hold the power.
Daniel Roberts, Collision Estimator
Instead of waiting on hold and fighting through insurer bureaucracy, PanelAI is a complete shortcut for not-at-fault drivers. If you have the at-fault driver’s Name, Address, Rego and claim number, you can bypass your insurer completely.
PanelAI connects you directly with a premium not-at-fault concierge service. What does that mean for you?
A Free Replacement Car: We organize a like-for-like replacement vehicle so you can get to work or uni without missing a beat.
Zero Excess & Zero Hassle: We organize your smash repairs with a top-tier local panel beater and bill the at-fault driver’s insurance directly.
You pay no excess, you skip the hours on hold with your insurer, and you get back on the road instantly while the concierge team handles all the stressful legal and financial headaches for you.
Elizabteh Keen, Claims Assistant
Faq
Everything you need to know before booking
Do I have to pay my insurance excess if the crash wasn't my fault?
No, provided you have comprehensive insurance and you collected the at-fault driver’s Name, Address, and Vehicle Registration and Claim number. Our claims team help put you into a replacement vehicle to get you back on the road and let us handle the repair with our of verified repairers. So you get back on the road faster.
Can I choose my own smash repairer if I was not at fault?
What if the at-fault driver refuses to give me their details?
How does PanelAI help me if I'm not at fault?
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