No Win No Fee Property Damage: 2026 Recovery Guide
You’re sitting at the lights when someone slams into the back of your car. You aren’t at fault, yet you’re the one left dealing with a smashed boot…
September 10, 2026
From Accident to Resolution, We’re Here to Help
After a car accident that wasn’t your fault, you shouldn’t have to deal with the stress alone. TP Claims helps manage third-party claims, deal with the at-fault driver or insurer, and pursue eligible accident-related costs on your behalf.
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Our Comprehensive Range of Claims Services
Leave the Insurance Chase to Us
If someone else caused your car accident, you should not have to chase their insurer for money. You have enough to deal with already.
TP Claims helps people across and Victoria with third party claims after motor vehicle accidents. We have assisted more than 1,016 Australians with successful claims. One phone call is all it takes, and we manage the entire process from start to finish.
Who is eligible?
- Another driver was fully or mostly at fault.
- You were driving your own vehicle, a work vehicle, or a rental car.
- You were a passenger, pedestrian, cyclist, or motorcycle rider.
- The accident happened on a Victorian road or involved a Victorian-registered vehicle.
Why People Choose Us
No Confusion
We take the confusion and intimidation factor out of making a claim.
We Handle Everything
One phone call is all it takes - We handle everything from start to finish.
Dispute Handling
We deal with disputes on your behalf (with your assistance)
Rental Car Assistance
We can have a rental car delivered to your door (*conditions apply)
Accident Expenses Recovery
We’ll aim to get your accident related expenses paid for.
More than just car repairs
We claim for damaged phones, glasses, lost wages, and other accident expenses.
Common situations we help with
We regularly assist people after accidents on busy roads such as the Monash Freeway, Tullamarine Freeway, and in the CBD. We also help clients in the Eastern Suburbs, Western Suburbs, Northern Suburbs, and South Eastern suburbs.
Common scenarios include rear-end collisions at traffic lights, merging accidents on the freeway, intersection crashes in suburban streets, and parking lot incidents.
What losses may be recoverable?
Every claim is different. Depending on your situation, you may be able to recover costs for:
- Vehicle repairs or the market value of a written-off car.
- Replacement of damaged personal items such as phones, glasses, and laptops.
- Medical and rehabilitation expenses.
- Lost wages due to time off work.
- Travel costs while your vehicle is off the road.
- Other accident-related out-of-pocket expenses.
We deal with the at-fault driver, their employer, and their insurer so you do not have to.
Who Can Make a Claim?
You may have a valid third party insurance claim if you were:
- A not-at-fault driver — Another driver caused the accident and damaged your vehicle.
- A passenger — You were injured or lost property while travelling in any vehicle involved in the accident.
- A motorcycle rider — Another vehicle collided with your bike or caused you to come off the road.
- A cyclist — A motor vehicle hit you or forced you to crash.
- A pedestrian — You were struck by a vehicle while walking, crossing the street, or standing on the footpath.
- A commercial vehicle driver — You were driving a work vehicle and another party was at fault.
How the Claims Process Works
Step 1 — Free Claim Assessment
Call us or request your free claim assessment online. We will ask about the accident, who was involved, and what losses you have suffered. This call costs nothing and carries no obligation.
Step 2 — Review Your Situation
Our dedicated claims specialists review the details of your case. We check liability, identify the correct insurer, and confirm what evidence we need to collect.
Step 3 — Collect Supporting Documents
We help you gather police reports, repair quotes, medical receipts, payslips, and any other documents that support your claim. You do not need to figure this out alone.
Step 4 — Lodge Your Claim
We prepare and submit your claim to the at-fault party’s insurer. We make sure everything is correct and complete so the insurer cannot delay your claim due to missing paperwork.
Step 5 — Negotiate with the Insurer
Insurance companies often start with a low offer. We negotiate on your behalf to reach a fair settlement that covers your actual losses. We keep you informed at every stage.
Step 6 — Settlement
Once the insurer agrees to a fair amount, we finalise the settlement and make sure the funds reach you promptly. If a dispute arises, we deal with it on your behalf with your assistance.
Step 1 — Free Claim Assessment
Call us or request your free claim assessment online. We will ask about the accident, who was involved, and what losses you have suffered. This call costs nothing and carries no obligation.
Step 2 — Review Your Situation
Our dedicated claims specialists review the details of your case. We check liability, identify the correct insurer, and confirm what evidence we need to collect.
Step 3 — Collect Supporting Documents
We help you gather police reports, repair quotes, medical receipts, payslips, and any other documents that support your claim. You do not need to figure this out alone.
Step 4 — Lodge Your Claim
We prepare and submit your claim to the at-fault party’s insurer. We make sure everything is correct and complete so the insurer cannot delay your claim due to missing paperwork.
Step 5 — Negotiate with the Insurer
Insurance companies often start with a low offer. We negotiate on your behalf to reach a fair settlement that covers your actual losses. We keep you informed at every stage.
Step 6 — Settlement
Once the insurer agrees to a fair amount, we finalise the settlement and make sure the funds reach you promptly. If a dispute arises, we deal with it on your behalf with your assistance.
How Long Does the Process Take?
Some claims settle within a few weeks. Others take several months. The timeframe depends on:
- How quickly the insurer accepts liability.
- The time needed to gather repair quotes and medical evidence.
- Whether the insurer disputes part of your claim.
- How complex your losses are.
Frequently Asked Questions
Can I make a third party claim if I was a passenger?
Yes. Passengers can claim against the at-fault driver’s insurer for injuries, lost income, and damaged property. You do not need to know which driver was at fault. We will investigate that for you.
Will it cost me anything to start a claim?
No. Your initial claim assessment is completely free. Where your claim qualifies, we work on a No Win No Fee basis. We explain this clearly during your first call.
How do I know if the other driver was at fault?
Fault is determined by the circumstances of the accident, witness statements, police reports, and traffic laws. We review all of this during your free assessment and advise you honestly.
What if the at-fault driver is uninsured?
You may still have options. We can explore whether the driver has assets, whether their employer carries insurance, or whether other avenues exist. We explain your choices during your assessment.
Can I claim for more than just car repairs?
Yes. We claim for damaged phones, glasses, lost wages, medical costs, and other accident-related expenses. Many clients are surprised by how much they can recover.
Do I have to deal with the insurer myself?
No. We deal with the at-fault driver, their employer, and their insurer on your behalf. You focus on getting back to normal life.
How long do I have to make a claim?
Time limits apply under Victorian law. It is best to start your claim as soon as possible so evidence is fresh and witnesses are easier to contact. Call us to check your deadline.
Can I get a rental car while mine is being repaired?
In many cases, yes. We can arrange to have a rental car delivered to your door while conditions apply. We explain the details when we review your claim.
What documents do I need to start?
To begin, we need basic details about the accident, the other driver’s details, and any police report number. We help you collect everything else as your claim progresses.
Why should I choose TP Claims instead of handling it myself?
Insurance companies have experienced teams working to minimise payouts. We level the playing field. Our specialists know the system, speak the language insurers understand, and fight for fair outcomes. You save time, avoid stress, and often recover more.
Pricing
We understand that money is tight after an accident. That is why we offer a free claim assessment with no obligation.
Where your claim qualifies, we offer No Win No Fee. This means you only pay if we win your case. We explain honestly whether this applies to your situation during your first conversation. There are no hidden costs and no nasty surprises.
If your claim does not qualify for No Win No Fee, we will tell you upfront and explain any fees clearly before you proceed. The best way to find out where you stand is to contact us for a free claim assessment.
Ready to get your Third Party Claims in Sorted?
You have been through enough already. Let us take the weight off your shoulders and handle your claim the right way. Call 0407 294 580 or request your free claim assessment today.
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