Independent Car Accident Claims Advice


If you have just been involved in a car accident you may have many questions that you need answering and sometimes you may want some advice that is independent of your insurer.

Car Call have been providing advice and assistance for motorists for more than 10 years now and to be honest – there is not much we don’t know about resolving the consequences of a car accident.

If you would like some advice or assistance following an accident, call 02392 484 244 and one of our expert advisors will be happy to help.


Our independent non-fault accident assistance

We also provide non-fault accident assistance to any road user that does not want to make a claim on their own insurance for an accident that was not their fault.

You may be wondering why thousands of people every year choose to use our service instead of a claim on their policies – here’s why:-

  • They don’t want to pay the excess on their policy

  • They don’t want their insurance costs to go up when they renew

  • They want something better than an old hatchback as a replacement

  • They need legal assistance but don’t have ‘legal cover’ on their policy



Why does my insurer put up my insurance when I am not at-fault?

Unfortunately, your insurer will view you as a higher ‘risk’ or ‘more likely’ to make another insurance claim, if you make a non-fault claim on your policy. This of course means that the cost of your insurance will go up as a result of your claim.


How our independent accident assistance benefits you

If we handle your accident claim for you, there is no excess to pay and we can arrange your repairs, provide you with a replacement vehicle and assist with legal issues.

…and of course, because you are not making a claim on your insurance – your next insurance premium should not increase as a result of your claim.

We and our partners recover the costs associated with your claim directly from the insurer of the at-fault driver on your behalf..

What we arrange for you: -

  • A like-for-like replacement for your damaged vehicle if it is un-roadworthy or being repaired

  • The replacement vehicle will be delivered to your home or place of work typically within 3 hours of starting your claim

  • The repairs to your vehicle are arranged at one of our network of approved accident repair centres or at a repair centre near you

  • We can arrange legal assistance with issues ranging from the recovery of expenses to claims for compensation

  • Our claims team are available 24/7 for support and advice with your claim



For free advice and assistance with your car accident claim, 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