Non-fault accident what do I do?



If you have been involved in a non-fault car accident you may be wondering what to do for the best. Making a claim on your own insurance policy will almost certainly mean you will have to initially pay the excess on your policy before your vehicle can be repaired. To find out how to get your vehicle repaired without having to make a claim on your policy or pay any excess call us on 02392 484 244 and we will be happy to help.


How we independently help drivers after non-fault road accidents

Car Call and our partners help thousands of motorists every year get their vehicles repaired whilst ensuring they stay mobile by providing them with like-for-like replacement vehicles.

Many of our customers ask ‘Don’t I have to claim on my own insurance policy’ and the answer to this is simply – if you were not at-fault, you don’t.

Because we deal directly with the insurer of the person at-fault for the accident, there is no need for your insurer to deal with your claim. They would be notified for ‘information purposes only’ but because they do not manage your claim, you will not have to pay the excess on your policy and your no-claims discount should stay protected.


About our service

Our service provides a number of clear benefits including:

  • You do not have to claim on your own insurance policy

  • No excess to pay

  • Your no-claims discount should not be affected

  • You will receive a like-for-like replacement for your vehicle if yours is un-roadworthy and/or being repaired

  • Your replacement can either be delivered to your home or place of work

  • Vehicle replacements occur typically within 3 hours of accepting your claim

  • Your vehicle repairs are carried out at an approved Accident Repair Centre or at a garage of your own choice

  • If you need assistance with the recovery of expenses, lost earnings or claims for injury compensation, we can arrange legal assistance for you

  • Our help line is available 24/7 for all you enquiries


To find out how we can assist following 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