Does making a personal injury claim affect your insurance?



If you make a personal injury claim after a car accident, it may affect your car insurance premium if it is part of a claim that includes the repairs to your vehicle.

This is because even if the accident was not your fault, your insurer may consider that you have a higher risk of having further accidents in the future.

Another consequence of a non-fault claim is that you are also likely to have to initially pay the excess on your policy before your vehicle will be repaired.


How to make a personal injury and car accident claim independently of your insurer

We have helped thousands of motorists over the last 8 years make claims independently of their insurers.

Because we work independently and only deal with the insurer of the at-fault driver, it means that you get the assistance you need with your personal injury claim and your accident repairs but you have no excess to pay and your no-claims bonus is not affected.

We arrange the services you need and recover the costs directly from at-fault driver's insurer on your behalf. Consequently you do not have to make a car insurance claim on your policy.

The service we provide is the same regardless of the insurance cover you have or the type of vehicle you drive. A summary of our service is shown below.

  • The damage to your vehicle will be inspected by an independent automotive engineer

  • We will arrange for repairs to be carried out at an approved accident repair centre in your area

  • The repairs to your vehicle are fully guaranteed

  • If you would like the repairs carried out elsewhere, or at a manufacturer approved repairer this is not a problem

  • A like-for-like replacement vehicle will be delivered to your home or place of work

  • Your replacement will be with you, typically within 3 hours of starting your claim

  • The majority of our vehicles are less than 6 months old

  • Our appointed legal team will provide advice and assistance with all your accident related issues

For more information or advice, please call us on 02392 484 244 or complete the form on the right of this page and an advisor will get in touch with you shortly.


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