Does accident that's not my fault affect my insurance costs?

Any claim on your car insurance policy is likely to have an effect on its future renewal cost. Sadly, you only have to look at a few consumer forums on the internet to discover that drivers are even penalised for non-fault accident claims by their insurers.

Initially when you apply for an insurance policy you will be asked many questions about yourself and your previous driving history. All this information will then be processed with each piece of information either adding or subtracting from your final quote depending on the results of your perceived risk assessment.

Insurers calculate their policy premiums based on the chances or risk of you being involved in a collision at some point in the future.

If you have a car accident that is partly or wholly your fault, it would perhaps be fair to say that you may be more likely to have another accident and so your risk factor and your insurance premium costs may increase as a result.

Although this does not seem at all fair, even if you have an accident that was not your fault, many insurers will also consider that you are still more likely to be involved in an accident in the future.

How can I avoid my insurance costs go up if I am not at-fault?

Car Call operateoperates independently of any insurer, and provide post-accident assistance to thousands of innocent road users every year.

We arrange for repairs to your vehicle at an approved accident repair centre or at a repairer of your own choice. You will be provided with a comparable replacement vehicle and we also arrange any legal assistance you may need to resolve your accident related issues.

We will recover costs on your behalf directly from the at-fault driver’s insurer, leaving you to get on with your daily routine with the minimum of disruption.

Remember that as far as your insurer is concerned, your “No Claims Discount” is not a 'No Fault Discount', so even though the accident was not your fault you could still be penalised for making a non-fault claim because they are still providing services for you.

Get the assistance you need without a claim on your policy and call us on 02392 484 244 to start your non-fault claim today.

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 comparable 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 comparable 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