Car accident | What is uninsured loss recovery?



An uninsured loss is a cost or charge that you may have incurred as a result of your accident, but is not covered under the terms of your car insurance.

Uninsured loss recovery is a process carried out by a solicitor on your behalf to claim back those costs and charges from the insurer of the person responsible for the accident.

Costs that may not be covered by your own car insurance policy include: -

  • Loss of earnings due to injury

  • Recovery the damaged vehicle to a secure location

  • Storage of the damaged vehicle at a secure location

  • Compensation for injuries you or your passengers sustained

  • The cost of replacing any of your damaged or destroyed possessions

  • The cost of a suitable replacement hire-vehicle and/or travelling expenses



How do I recover these after an accident?

Car Call independently helps anyone who was not at-fault for their accident to recover these costs and provide a complete range of supporting services to resolve the consequences of a road traffic collision.

All the costs and charges are recovered directly from the at-fault driver’s insurer, so there is an alternative to a claim on your own insurance policy.

Our full range of services include: -

  • No claim on your own car insurance policy

  • No excess to pay and your no-claims discount should not be affected

  • We provide a like-for-like replacement for your un-roadworthy car

  • Your replacement car is delivered typically within 3 hours of accepting your claim

  • We arrange repairs to your vehicle at an approved accident repair centre in your area

  • Repairs can alternatively be arranged at a garage you choose yourself

  • Legal assistance is arranged for the recovery of un-insured losses and the resolution of any other accident related issues

  • A 24/7 help line is available for all your claim enquiries



To get help and advice with your non-fault accident, call us on 02392 484 244 and we will be happy to help.

Any policyholder can use this service, and it is your legal right to choose who repairs your vehicle. All assistance offered and information given on this page is provided by Car Call and its partners , no association or affiliation to any particular insurer is intended in any way, and your statutory rights are unaffected.


No need to claim on your insurance

Anyone who has been involved in a road accident has the right to choose who repairs their vehicle. If you were responsible for the accident you were involved in, the company that insures your vehicle would normally deal with your accident claim.

However if you were not at-fault for the accident, you can choose to either claim on your own insurance policy or make a claim independently of your insurer. To find out more call 02392 484 244 and we will be happy to help.

We and our partners help thousands of people make independent accident claims. Our service enables motorists to get the help and assistance they need to resolve their accident related issues, with the costs being recovered directly from the at-fault driver on your behalf.

No excess to pay

Unfortunately even if an accident was not your fault, your insurer will almost certainly require you to pay your excess before any repair is started on your car.

This money should of course be recovered by an insurer at a later date, but with our service - you do not have to pay it at all.

By using our independent claims service, you are not making a claim on your insurance policy and so you will have no excess to pay.

Receive a like-for-like replacement hire vehicle

Not all insurance policies will include a replacement hire-car for you to use if yours is damaged and unroadworthy. In fact it is typically an 'optional extra' on your policy.

Other policies may offer a 'courtesy car' but this is often just a 'basic' saloon or hatchback which may not be suitable for your needs.

Car Call and its partners will provide a like-for-like replacement vehicle as part of our service. This means we will endeavour to supply a hire-vehicle that similar to your own in terms of its type, make and engine size.

So whether you drive a small hatchback or a prestige sports car, we will look to provide a similar hire-vehicle that suits your needs.

Manufacturer approved vehicle repairs

If you have been involved in a car accident, the last thing you want to have to worry about is the quality of the repairs to your car. We have a UK wide network of partner approved Accident Repair Centres available to all of our customers.

Many of our accident repair centres are have manufacturer approvals for specific brands, so if you require a manufacturer approved repair centre, simply tell your personal claim handler and they will ensure your vehicle goes to an approved repairer.

Want you vehicle repaired by a specific garage? No problem, we can alternatively use a repairer that you specify.

Legal Assistance

Our partner solicitors provide legal assistance as part of our service. They specialise in motor claims related issues, so you can be assured of the best possible advice and assistance.

They issues they can assist you with include:

  • Recovery of the cost of the replacement hire-vehicle
  • Recovery of the cost of uplifting your damaged vehicle
  • Recovery of all repair costs
  • Recovery of the cost of damaged of personal items
  • Seeking financial compensation for an injury