Recovering Your Costs

    Do I Have to Deal With the Insurance Companies Myself?

    April 23, 2026·Yan Krasner·7 min read
    Do I Have to Deal With the Insurance Companies Myself? — article from YBV Group, Brighton

    One of the most draining parts of an accident can be dealing with the insurance companies — the phone calls, the back-and-forth, the waiting. After a not-at-fault accident, you don't have to do it yourself. YBV Group becomes your one point of contact for the whole process.

    Why Dealing With Insurers Is Exhausting

    After an accident, you can end up talking to your insurer, the other driver's insurer, a repairer and maybe a replacement vehicle provider — all separately, all wanting different information, often with long waits in between. It's a lot to manage on top of everything else going on in your life.

    It's also easy to feel pressured into accepting an outcome that isn't in your best interest, simply to make the calls stop. That's exactly the situation YBV Group is set up to take off your plate.

    What YBV Group Takes On

    We handle the whole process after a not-at-fault accident. That means arranging your comparable replacement vehicle, managing your panel beating and smash repairs, and recovering your costs from the at-fault driver or their insurer. The chasing, the follow-ups, the negotiations — that's our job, not yours.

    If the other driver isn't insured or won't pay, we chase the at-fault driver directly for what you're owed. Read our guide on what happens if the at-fault driver isn't insured for more on that.

    One Point of Contact

    The thing that makes this simpler is having one point of contact. Instead of juggling calls with multiple parties, you deal with YBV Group, and we deal with everyone else. You tell us about the accident, we check your eligibility, and we take it from there — keeping you updated as things progress.

    If you have a question, you ask us. If something needs following up, we do it. You're not left working your way through a web of insurers and repairers on your own.

    What About Your Own Insurer?

    You can still choose to involve your own insurer if you want to, and we can work alongside that. Some drivers prefer to keep their insurer in the loop; others prefer to let us recover their costs directly and avoid a claim on their own policy. There's no single right answer, and we can talk you through the options for your situation.

    Either way, the aim is the same: you're not left out of pocket for an accident that wasn't your fault. Eligibility conditions apply.

    What You Need to Do

    Your part is straightforward: collect the details and photos at the scene, and hand them over to us. Our guide on what details to get from the other driver covers what to collect. From there, we take over and keep you informed.

    We're based in Brighton and help drivers across Melbourne's south-eastern suburbs. If you're tired of dealing with the insurers yourself after an accident that wasn't your fault, get in touch.

    Frequently Asked Questions

    Questions About deal

    Do I have to deal with the at-fault driver's insurer myself?+
    No. YBV Group handles the recovery of your costs from the at-fault driver or their insurer, so you're not chasing them yourself. You deal with one point of contact.
    Can I still use my own insurance?+
    Yes, if you want to. We can work alongside your own insurer, or help you recover your costs directly. We can talk you through the options for your situation.
    What if I don't want to make a claim on my own policy?+
    That's a common reason drivers come to us. We can often recover your costs from the at-fault driver directly, so you don't have to claim on your own policy. Eligibility conditions apply.
    Who do I call if I have a question during the process?+
    YBV Group. You deal with one point of contact throughout, so you always know who to ask and you're not passed between departments.
    Key Takeaway

    After a not-at-fault accident, you don't have to deal with the insurance companies yourself. YBV Group arranges your replacement vehicle, manages your repairs, and recovers your costs — all through one point of contact. Check your eligibility on our contact page or call 0481 797 861. This article is general information only and isn't legal or insurance advice. Eligibility conditions apply.

    Need Advice?

    Had an Accident That Wasn't Your Fault?

    We'll arrange your replacement vehicle, manage your repairs and recover your costs from the at-fault driver. Serving Melbourne's south-eastern suburbs from Brighton. Eligibility conditions apply.

    Call 0481 797 861
    YBV