Reporting a motor accident to an insurance company


If you have been involved in a road accident, you would 'normally' contact your insurer to deal with your accident claim - but is this your best option?

Everyone wants there car to be repaired back to its original condition after an accident and of course this must cost us as little as possible.

For independent advice and assistance with car accident claims call 02392 484 244 and we will be happy to help.


The advantages and disadvantages of making a car accident insurance claim

Your car insurance is intended to protect you from most - or all (if you don't have an excess) of the costs of getting your car repaired if you have been unlucky enough to have an accident.

If you were responsible for the accident, making a claim on your insurance policy would almost certainly be your best course of action. You will have to pay the excess on your policy, but unfortunately as you were responsible for the accident then this is something you will have to accept.

If you were not responsible for the accident, your insurer will almost certainly still want you to pay the excess on your policy if they deal with your claim. You should be able to get this money back at a later date, but you could end up being out-of-pocket for weeks or even months before you are re-embursed. In addition to this, your insurance renewal cost may also increase as a result of your claim.


It wasn't my fault and I don't think I should have to pay my excess - what can I do?

Contact us before you speak to your insurer! We will arrange the services you need and then notify your insurer 'for information purposes only' so they do not deal with your claim or ask for your excess. We independently help thousands of people every year by dealing with their accident claims - the smart way!


How can you help and how much will it cost?

we and our partners recover the costs of the services we arrange for you directly from the insurer of the at-fault driver on your behalf.

Your claims handler will arrange the following help and support with your accident claim:

  • There will be no excess to pay on your policy

  • Your policy renewal cost should not be affected

  • You will be provided with a like-for-like replacement vehicle, typically within 3 hours of accepting your claim

  • The repairs to your vehicle will be arranged at an approved accident repair centre in your local area

  • If you wish to use a specific repairer or garage we will arrange this for you

  • Your vehicle repairs are fully guaranteed

  • Legal assistance with the recovery of expenses, loss of earnings or recovery costs

  • If you or your passengers have been injured, we will help you pursue a claim for compensation


If you have any questions or queries regarding our service, please don't hesitate to give us a call 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