Should I make a car accident claim?



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 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 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