If you have been involved in a road traffic accident that was not your fault, you entitled to recover reasonable costs incurred to: -
restore your own vehicle to its pre-accident condition
continue to travel in the same manner as you did before whilst your own vehicle is repaired
replace items that were damaged or destroyed in the accident
compensate you and/or your passengers for the discomfort and/or consequences of any injuries
You do not have to claim on your insurance policy
This may come as a surprise, but you not have to use the services of your own insurer to get the assistance you are entitled to – in fact, it can be better not to.
Your insurer should make sure that all the above conditions are met and they should not charge you for this, they should charge the at-fault driver. The simple truth is, this is not always the case.
Making a claim independently of your insurer
Car Call UK and its partners provides independent accident assistance for anyone who has not caused an accident and is not happy with the services and additional costs of making a non-fault insurance claim.
Our aim is to fulfil your entitlements as the non-fault driver, but without any of the limitations and extra costs you may incur by a claim on your car insurance policy.
Your replacement vehicle
As the innocent party in a road accident you are entitled to replacement vehicle that is similar to your own.
You may get this from your insurer, but you probably have had to pay for it as an optional extra on your policy.
Or you may be offered a ‘courtesy car’, which is likely to either be a small hatchback, or a saloon. Either way - that’s unlikely to be similar to your own.
We just source the like-for-like replacement vehicle you are entitled to and charge the insurer of the at-fault driver the cost of the hire when you are finished with it – as it should be
Your vehicle repairs
You are entitled to choose who repairs your vehicle if you are not at-fault.
Your insurer will probably insist you use their ‘approved’ repair centre, but if you insist on using anyone different - you not be allowed to have a courtesy / replacement car.
We also have quality approved repair centres, but we also allow you to choose the repairer yourself if you wish – but we don’t penalise you for it.
If you do opt to use one of our repair centres, you can be assured that your vehicle is repaired your vehicle is repaired according to your manufacturers specifications and only using genuine replacement parts.
Your legal assistance
We also arrange legal assistance for all your accident related issues as part of your non-fault claim.
To find out more about our services just give us a call on 02392 484 244 and one of our experienced claims advisors will be happy 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 UK and its partners , no association or affiliation to any particular insurer is intended in any way, and your statutory rights are unaffected.