Uninsured and not at fault car accident repairs in Melbourne

Yes — as long as the at-fault driver is insured and clearly responsible, their insurance provider may pay for your vehicle repairs, even if you don't have a policy of your own. Sheen can help by preparing a comprehensive quote, supplying photographic evidence, and communicating with the at-fault driver’s insurer to get the claim moving.

This process is more common than you might think, especially as more Australians reduce or cancel their insurance due to rising costs. If you’re unsure how it works, our guide on what happens when you’re uninsured and not at fault breaks it down in practical terms.

If the at-fault driver refuses to lodge a claim or denies responsibility, the process can slow down, especially if you’re uninsured and dealing with them directly. You may need to send a letter of demand supported by quotes, evidence, and a summary of the accident. If they ignore it, legal advice may be your next step.

Sheen can’t represent you legally, but we can help prepare the documents and ensure your quote and evidence are professionally presented. If you're unsure how to gather the right details, this article on what to do if the at-fault driver isn’t cooperating offers insight into how fault and driver details impact the claims process.

Yes — if you have your car repaired at Sheen, we’ll provide a complimentary accident replacement vehicle while yours is off the road. You don’t need to be insured or file a claim with your provider (since you don’t have one). We’ll ensure you're not left without transport while waiting for approval from the at-fault party’s insurer.

Gather as much evidence as possible. This can include:

• Dashcam footage
• Photos of the crash scene and vehicle damage
• Witness statements
• A police report, if applicable
• A written timeline of events

These details will help demonstrate liability and support your case with the other driver’s insurer. For more, check out our guide on how to prove you're not at fault in a car accident.

Not if the at-fault driver’s insurer accepts the claim. Sheen can manage the quote and approval process, and we don’t require upfront payment if your repairs are approved under the at-fault driver’s policy. If the claim is delayed or disputed, we’ll let you know your options — but in many cases, you can have your car repaired without being out of pocket.