Had a motor accident what do I do next?


We appreciate that being involved in a road accident can be an unpleasant and stressful experience. Clearly finding a way to reduce the stress of the accident claim caused by unexpected costs or a difficult claims process should always be welcomed.

To find out if we can help you simply call 02392 484 244 we will be happy to advise you.


Do I have to claim on my car insurance policy?

This will depend on whether you caused the accident or not. If you were 'at-fault' for the accident your only option is likely to be a claim on your car insurance policy.

It’s up to you. If your policy provides the legal cover and the assistance you require and you are not concerned about the effect your claim may have on your future insurance costs – you may choose to claim on you own insurance policy.

However using our alternative claims assistance allows you to get your vehicle repaired, a suitable replacement and legal assistance all without potentially losing your no-claims bonus and increasing the future cost of your car insurance.

If you were not responsible for the accident, you have the option of either making a claim on your car insurance policy or we can help you make your claim independently of your insurer.

If we process your claim we can offer you a range of services, along with helpful advice and support from our experienced UK based claims team. In addition to this you will not have to pay any insurance excess and your renewal premiums should not be affected by our claims service.

We and our partners help thousands of drivers every year resolve their accident issues and recover the costs directly from the at-fault drivers insurer.

We and our partners can provide the following services for you:-

  • A like-for-like replacement hire vehicle for you to use if yours is un-roadworthy and/or being repaired

  • Repairs to your vehicle at one of our approved repair centres or at a repair centre of your own choice

  • Legal advice and assistance with issues such as loss of earnings or claims for injury compensation

  • 24 hour phone assistance with all aspects of your claim


If you would like further information or advice, please call us on 02392 484 244 and a UK based advisor will be happy to help.


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