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Motor Accident?


Car accident claim FAQ


Car accident claim faqs Car Call Claims line

Do I need to make a car accident claim on my own insurance policy?

Do I need to pay an excess?

What car would I receive in replacement of my own?

When will I get a replacement car?

What cost is there to me?

My car accident happened 3 months ago, can I still make an injury claim?

Can I choose where my car gets repaired?

If your services cost me nothing, who does pay for them?

What does *no win no fee actually mean?

Will you deduct fees from my compensation settlement?

What is split liability?

What does non-fault accident mean?

I have split liability, can I still claim for my injury?



Q: Do I need to make a claim on my own insurance policy?

A: No, if you have a non-fault accident we can deal with the other drivers insurance company directly without you having to make a car accident claim on your policy, we can advise your insurance company on your behalf about the claim for information purposes only and also advise them once a recovery of all your losses has been made. This means your No Claims Bonus will be unaffected.

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Q: Do I need to pay an excess?

A: No excess to pay when we arrange repairs under our funded repair scheme. Following your non-fault car accident you can choose a garage for repairs that you know or we will recommend an approved repairer who will offer a guarantee with the repair. Our claims team go directly to the Third Party Insurance Company to recover the total costs so no excess is required.

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Q: What car would I receive in replacement of my own?

A: We are able to arrange a replacement car of similar engine size and quality to your own normally less than 2 years old. From a family car to a Prestige car, sports car, 4X4, van, commercial vehicle, motor cycle, or people carrier. Whatever you drive we are normally able to provide a replacement that will suit your needs.

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Q: When will I get a replacement car?

A: We can provide a vehicle within 3 hours of first notification of your collision if your car is not safe to drive in any way, or cannot be secured. Otherwise we arrange delivery of a replacement just before your vehicle goes in for repairs.

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Q: What cost is there to me?

A: If the car accident was not your fault, then you will not have to pay anything for any of the services we provide. We recover all the costs on your behalf from the at-fault drivers insurance company.

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Q: My car accident happened 3 months ago, can I still make an injury claim?

A: Yes. A person can make a personal injury claim up to 3 years from the date of the car accident occurring.

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Q: Can I choose where my car gets repaired?

A: Yes. Our customers can decide whether they want to use one of our approved repair centres or a garage of their choice.

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Q: If your services cost me nothing, who does pay for them?

A: We recover all our costs directly from the at-fault party's insurers.

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Q: What does *no win no fee actually mean?

A: Put simply, If we do not win your case you will not have to pay the lawyer’s fees. If you have arranged and agreed to a fee with your lawyer due the complex nature of a claim, or if we win your case, your lawyer will have already discussed and agreed with you in advance an appropriate amount to come from your compensation settlement to cover their legal costs. This amount is capped by law at a maximum of 25% of the total amount awarded to you.

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Q: Will you deduct fees from my compensation claim settlement?

A: If we do not win your case you will not have to pay the lawyer’s fees. If you have arranged and agreed to a fee with your lawyer due the complex nature of a claim, or if we win your case, your lawyer will have already discussed and agreed with you in advance an appropriate amount to come from your compensation settlement to cover their legal costs. This amount is capped by law at a maximum of 25% of the total amount awarded to you.

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Q: What is split liability?

A: This means that the cause of the accident was partly your fault. How the proportion is split ie. 50/50, 60/40 etc. will be agreed between insurers/solicitors of the party's involved or in some cases a court ruling. If for example the liability was 50/50, you would be entitled to claim for 50% of your accident repair or car hire costs and 50% of any personal injury settlement.

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Q: What does non-fault accident mean?

A: This simply means that you were not responsible for causing the car accident.

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Q: I have had a split liability car accident, can still I claim for my injury?

A: Yes. You can claim for the proportion you are entitled to. Call us on 02392 484 244 for free advice.

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To start your claim now, simply call us on 02392 484 244 and one of our experienced claims advisors will make all the arrangements for you.

*Once the solicitor has accepted your case, they will clearly explain how the process works, advise you of your options and any other costs that could be payable in your particular situation. More..

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