If the insurance company denies there driver was at fault then your claim is resolved by going to court and having a judge hear and determine your claim.

If the insurer admits their driver was at fault then there are two ways to resolve the claim.

• Agree to a settlement with the insurance company; or
• If you are unable to reach a settlement agreement with the insurance company your claim will be determined through a dispute resolution process known as CARS run by the Motor Accident Authority of NSW.