Someone has crashed into the back of my car, is it my fault?



If someone has crashed into the back of your car it will in the majority of cases be the fault of the person behind you. This is because it is the responsibility of the driver behind you to allow enough distance in front of them to stop safely in an emergency. If you have been involved in an accident that was not your fault, call us on 02392 484 244 for independent assistance with your accident claim.


If I have been hit from behind, why not just claim on my own insurance?

If you have been involved in a non-fault accident, you will almost certainly have to pay your insurance excess before repairs can be started on your vehicle. You should be able to claim this amount back from your insurer at a later date, but this could take some time to recover from the third party’s insurer.

In addition to this, your next renewal premium is likely to increase as a result of the claim on your policy.


The advantages of our independent claims service

We have helped thousands of motorists make their accident claims independently of their insurers.

We arrange all the assistance you need to not only get your vehicle repaired back to its pre-accident condition but we also ensure you have a suitable like-for-like replacement vehicle to use whilst yours is un-roadworthy and/or being repaired.

All the costs and charges are recovered directly from the at-fault driver’s insurer on your behalf.

Regardless of the type of insurance cover you have, our independent claims service provides you with the following benefits:

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

  • Your replacement vehicle will be delivered to your home or place of work

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

  • All your repairs are fully guaranteed

  • Legal assistance is arranged for your accident related issues including lost earnings or claims for a personal injuries

  • Costs and charges are recovered directly from the at-fault drivers insurer on your behalf

  • It is not necessary to make a claim on your own insurance policy so you will have no excess to pay and your no-claims discount should remain protected

  • Access to our 24/7 advice line



To start your claim straight away, 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