Car accident claim not my fault


If you have been involved in an accident that was not your fault, you may be entitled to claim £30,352 or more in compensation if you have been injured. For comprehensive accident assistance without a claim on your own insurance policy, call 02392 484 244 and an experienced advisor will be happy to help.


The advantage of not claiming on your insurance policy if you were not at-fault

If you have just been the innocent victim of a road traffic accident, the last thing you need is to discover that you now have to pay the excess on your policy before your vehicle will be repaired.

Unfortunately this is likely to happen if you make a claim on your own insurance policy for a non-fault accident. In addition to this, your insurer will almost certainly increase your next insurance premium as a result of your claim.

Does this seem unfair? We think so too.

We and our partners assist thousands of drivers every year by independently sorting out their crash repairs, giving them a decent replacement hire vehicle and providing legal assistance with their claims.

We and our partners arrange everything you need and when your repairs are complete, you have finished with your hire-car and your compensation is paid, we and our partners recover these costs from the at-fault driver's insurer on your behalf.

This means that there is an alternative to a claim on your own insurance policy.


Will I get a suitable replacement vehicle to use
while mine is being repaired?

If your vehicle is un-roadworthy following the accident, we will deliver a like-for-like replacement vehicle typically within 3 hours of starting your claim.

By 'like-for-like' replacement we mean a hire-vehicle that is matched as closely as possible to the type and engine size of the vehicle you currently drive.

You can use your replacement whilst your vehicle is being repaired or if your vehicle is deemed a total loss, for up to a week following receipt of your settlement cheque.


Do you provide legal assistance as well?

If you need it, we can arrange the assistance of our specialist road accident legal team.

Issues that we can help with can include:

  • Recovery of the cost of damaged possessions

  • Recovery of expenses

  • Recovery of lost earnings

  • Assistance with claims for compensation

Claims for injury compensation can be pursued up to 3 years from the date of the accident occurring, depending on the circumstances.


Can I just ask you for some advice?

We are happy to provide no obligation advice with any issues surrounding your car accident claim, whether we are able to provide assistance or not.

If you have had an accident that was not your fault, please call us now on 02392 484 244 for free help and advice from one of our experienced claims advisors.


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