Does car insurance cover all car accident costs?



It is important for any motorist to remember that not all your car accident costs may be covered on your insured policy. Car accidents can sometimes involve additional costs that need to be recovered directly from the at-fault driver’s insurer, for independent assistance and advice with your accident claim, call 02392 484 244 and we will be happy to help.


What is covered on an insurance policy?

This will obviously depend on the type of cover you have and the terms of your particular policy, but generally the 3 policy types are:

Basic Comprehensive insurance covers you for:

  • Repair costs to your car and the other vehicles involved

  • Fire damage and theft of your vehicle

  • Compensation costs for the third party if you were at-fault for the accident

  • Costs of replacing your vehicles contents



Basic Third Party fire and theft insurance covers you for:

  • Repair costs for the other vehicles involved but not yours

  • Fire damage and theft of your vehicle

  • Compensation costs for the third party if you were at-fault for the accident


Basic Third Party insurance covers you for:

  • Repair costs for the other vehicles involved but not yours

  • Compensation costs for the third party if you were at-fault for the accident


There may be optional additions to your policy, so it is important check exactly what you are covered for.

Costs and services that may not be covered by your own car insurance policy could include:

  • Loss of earnings due to injury

  • Recovery of your damaged vehicle

  • Storage of your damaged vehicle

  • Compensation for your injuries

  • The cost of replacing your damaged possessions

  • Replacement hire-vehicle or travel costs



About our independent non-fault motor accident claims service

If you were not responsible for the accident you were involved in, we may be able to provide you with complete motor accident claims service that covers everything you need, including the services that may not be available on your own policy.

The benefits of our independent claims service include:

  • An alternative to a claim on your own car insurance policy

  • Costs and charges are recovered directly from the at-fault drivers insurer on your behalf

  • No excess to pay

  • Your no-claims discount should not be affected

  • A like-for-like replacement for your car if it is un-roadworthy and/or being repaired

  • Your replacement car will be delivered to you typically within 3 hours of accepting your claim

  • We arrange the repairs for your car at an approved accident repair centre

  • Alternatively your repairs can be arranged at a garage of your own choice

  • Legal assistance can be arranged for un-insured losses and/or claims for injury compensation

  • Our 24/7 help line is available for help and advice



If you would like advice or assistance regarding your 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