If you have a car accident with another vehicle, the law states that their insurer should pay all reasonable costs you may have incurred as a result of their careless driving.
This may include:-
Vehicle recovery costs
Costs of damaged possessions
Compensation for injuries
Costs for the hire of a suitable replacement vehicle
Essentially, if you were the innocent party in an accident – you shouldn’t have to suffer any financial penalties because of it. Also, your insurer should do everything possible to minimise the disruption caused by the accident and recover the cost of this assistance for you.
Does a non-fault car insurance claim really achieve this?
Yes well – up to point.
This is what is likely to happen. Your car will be repaired – but only by a repair centre they choose for you.
They will recover your excess for you, but you still have to pay it up-front.
The claim will almost certainly cause your future insurance costs to go up.
Unless you have the option on your policy, you may only get an old hatchback or saloon as a ‘courtesy car’ and not a decent quality replacement hire-car that is similar to your own.
Car Call UK and our partners helps thousands of motorists every year make their claims using our independent non-fault claims service rather than a claim on their own insurance.
How our service works
We independently organise your vehicle repairs, deliver a like-for-like replacement hire vehicle to your home or place of work and arrange legal assistance if you need it.
We and our partners recover the all the costs directly from the at-fault driver's insurer on your behalf.
We will even let your insurer know about the accident for ‘information purposes’ only, so you do not invalidate your policy.
It doesn’t matter what type of cover you currently have with your insurer, the following services are available to all our customers.
Your insurance should not increase because you are not making an insurance claim
No excess to pay
We provide a like-for-like replacement vehicle for you to use if yours is un-roadworthy and /or being repaired
Your replacement vehicle will be delivered to your home or place of work, typically within 3 hours of starting your claim
Your own vehicle is repaired at an approved accident repair centre or at a repair centre of your own choice
Legal assistance can be arranged for accident related issues
All costs and charges are recovered directly from the at-fault driver’s insurer on your behalf
Our claims Help Line is available 24/7 to assist with your queries
To get assistance after your non-fault accident, call us on 02392 484 244 for free help and advice from one of our experienced claims advisors.
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 UK and its partners , no association or affiliation to any particular insurer is intended in any way, and your statutory rights are unaffected.