What expenses can I claim for after a car accident?


If you have been involved in a road accident, you are likely to start incurring expenses, pretty quickly. If you were not responsible for the accident, you are entitled to re-claim all reasonable expenses from the insurer of the at-fault driver. These expenses are also known as un-insured losses, because they may not be covered on your insurance policy.

The following would be considered ‘reasonable’ expenses following a road traffic accident: -

  • Storage of your damaged vehicle

  • Taxi/Train/Bus travel costs due to your un-roadworthy vehicle

  • Damaged/destroyed personal items of significant value

  • Damaged/destroyed tools/equipment

  • Costs of a suitable replacement hire vehicle if yours is un-roadworthy



For most of these items, receipts, invoices or proof of purchase may be required in order to confirm that you own the item and it’s approximate value.


Is there anything else I can claim for?

Of course, a car accident can impact your life financially in other ways too.

If you can prove that have lost income as a result of the accident, the solicitors we work with will look to recover this money as part of your overall expenses claim.


About injury compensation

If you have suffered a genuine and significant injury in the accident, it is advisable that you ask the solicitors we work with to help you pursue a claim for personal injury compensation.

Reasons why you should make a personal injury claim: -

  • To compensate you for the pain and discomfort

  • To cover costs of specialist care, medical/mobility aids and treatment of the injury

  • To cover the cost of a temporary or permanent loss of income


Our comprehensive non-fault accident service provides all this and more – without a claim on your car insurance

We and our partners offer our clients a specialised service that enables them to receive the all the help and assistance they need but without having to make an insurance claim.

We arrange the services you need and on completion of your repairs and/or legal services, we will recover the costs directly from the at-fault drivers insurer on your behalf.

How our service works: -

  • We provide a like-for-like replacement vehicle for you to use if your vehicle 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 receiving your claim

  • Repairs to your vehicle will be made at an approved accident repair centre that is local to you

  • You can choose a vehicle repairer of your own choice if you have a preference

  • We can help you with legal issues relating to your accident

  • 24/7 support and assistance with all aspects of your accident claim

To find out more about our service or just ask a question, 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