What is a non-fault accident claim


A non-fault accident claim is where someone makes an insurance claim or independent accident claim for a road traffic accident that was caused by someone else’s careless or reckless driving.


What to say after a road accident

It is advisable not to admit that you may be at fault at the scene of an accident. The circumstances of an accident can be affected by many different things, you may be distressed and/or suffering from shock and may not thinking clearly enough to consider them at the time.

It’s better to let the police accident investigators consider all the evidence before thinking about admitting liability.

If you are able and it is safe to do so – take photos of the positions of vehicles and note speeds, directions, weather conditions in a diagram soon afterwards while it is fresh in your mind.

If you do admit anything at the scene, bear in mind that someone could quote you in any possible resulting court case, and it will be both difficult and 'suspicious' to suddenly change your story later. You may also have problems with any insurance or compensation claims you may wish to make, leaving you without a car and possibly facing some large repair bills.


Get your vehicle repaired without a claim on your car insurance

If you believe the accident was not your fault, Car Call’s non-fault claims service enables you get your vehicle repaired, we provide you with a like-for-like replacement vehicle and we can arrange legal assistance.

If you make a non-fault accident claim on an insurance policy, you will almost certainly still have to pay the excess and your next insurance premium is likely to increase.

We independently help thousands of people every year get the accident services they require, so there is an alternative to a claim on your own insurance policy.

We provide comprehensive accident aftercare for our clients, so from the outset We and our partners organise a like-for-like replacement vehicle for you, your repairs and any legal help you may need.

Once your claim is complete, we will recover the costs directly from the at-fault driver's insurer on your behalf.

Our services at a glance: -

Your replacement vehicle…

  • A like-for-like replacement vehicle if yours is off the road or being repaired

  • Delivered typically within 3 hours of starting your claim

  • We have a wide range of vehicles to suit every need

  • Most of the vehicles we provide are less than 6 months old



Your vehicle repairs…

  • Your vehicle will be repaired at an approved accident repair centre that is local to you

  • Repairs can alternatively be arranged at a repairer of your own choice

  • All repairs are carried out using genuine parts and are fully guaranteed


Legal assistance…

Assistance can be provided for the following: -

  • Vehicle recovery charges

  • Uninsured losses ie. tools, laptops etc.

  • Out of pocket expenses

  • Loss of earnings due to the accident

  • Compensation for an injury



If you have any queries or questions about our services, please feel free to call us on 02392 484 244 and a UK based advisor will be happy to help you.

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