Getting my costs back after a road accident?


If you have been involved in a road traffic accident, you would hope that all your costs and charges will be covered by your insurance claim - unfortunately this is not always the case.

Making your accident claim independently of your insurer can enable you to get legal assistance to recover these uninsured losses, but without a claim on your own insurance policy. Call us on 02392 484 244 and we will be happy to help.

If you have been involved in an accident that was not your fault, we and our partners can handle your entire accident claim independently of your your insurer.


What are the benefits of an independent claim?

The key benefits of not making a claim on your own insurance policy are:-

  • You do not have to pay the excess on your insurance policy

  • Your no-claims discount should not be affected by your claim

  • You are entitled to a like-for-like replacement vehicle regardless of your policy terms

  • We will arrange for legal assistance to recover any uninsured costs and charges you may have incurred following the accident

  • Repairs to your vehicle can be carried out at a repairer of your own choice if you wish



What kind of costs or charges can you recover as part of my non-fault claim?

If you have been involved in a road traffic accident, there are many additional costs that may not be included as part of your insurance cover. These could include:

  • Property damaged or destroyed in the accident, such as tools, laptops, clothing etc.

  • Costs or charges associated with the storage of your damaged vehicle

  • Travelling expenses incurred due to loss of your vehicle


Can you assist with a personal injury claim?

If you have been injured as a result of your accident we can arrange for a solicitor to pursue an injury claim on your behalf.

If you would like some advice regarding your accident or would like us to handle your entire claim, call us on 02392 484 244, or use the form on this page and we will contact you.



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