Whether or not you choose to make a claim on your car insurance policy will depend on the circumstances of your accident. However it is important to remember that you must always tell your insurer even if you do not make a claim otherwise it will invalidate your insurance policy.
For free advice and assistance regarding any car accident or potential car insurance claim, call 02392 484 244 and we will be happy to help.
When you have to claim and when you don’t have to claim on your car insurance
We all have to have insurance by law in order to protect ourselves and other road users from the often high cost of resolving a road traffic accident.
Unfortunately everyone makes driving mistakes from time-to-time, but when this results in a car accident you will probably have to claim on your car insurance.
If you cause a road accident your insurance policy should cover all the costs incurred by the other party, whether your policy is Fully Comprehensive or Third Party.
So, if it’s not my fault, I don’t have to claim on my policy?
If you are not responsible for the collision, you have the option of letting your insurer manage the claim or you can seek independent accident assistance which provides the help that you need without a claim on your policy.
Making a non-fault claim on your own insurance policy can have a number of disadvantages: -
You will almost certainly have to pay the excess on your policy
Your insurance premium is likely to increase as a result of the claim
You may not be offered a suitable replacement vehicle to use
You may have no choice who repairs your vehicle
Car Call UK independently assists thousands of people every year, allowing them to resolve their accident issues without any of these disadvantages.
We enable anyone involved in a non-fault accident to access the following benefits: -
No claim on your insurance policy
No insurance excess to pay
Your insurance premiums should not be affected
You will receive a like-for-like replacement for your damaged vehicle
Your replacement vehicle is delivered typically within 3 hours of accepting your claim
Your own vehicle can either be repaired at one of our approved accident repair centres or at a repairer of your own choice
Repairs are fully guaranteed
Legal assistance is arranged for accident related issues such as the recovery of expenses, lost earnings or claims for compensation
Costs and charges are recovered directly from the at-fault driver’s insurer on your behalf
If you would like these services without a claim on your insurance policy or you would just like some free advice, 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 UK and its partners , no association or affiliation to any particular insurer is intended in any way, and your statutory rights are unaffected.