Fraudulent road accident claims


Fraudulent or 'fake' road accidents cost UK insurance companies millions of pounds every year, and these costs are ultimately passed on to you the motorist in the form of increased insurance premiums.

These types of insurance fraud are often carried out by organised criminals who 'set-up' or 'stage' road accidents that may in the first instance look genuine to the outside observer, but have in fact been carefully choreographed.

The accident usually involves 2 or more vehicles, one of which 'sets up' a situation where the second car has to break suddenly, causing the innocent victim following behind to 'rear end' the criminal’s car. The criminal’s car will typically have several people in it who will then all claim for some kind of injury compensation. They may even have arranged for other people to 'witness' the accident to support the claim.

How to avoid being the victim of a staged accident

All criminals tend to take the 'easiest' or 'safest' route when it comes to choosing their victims. This often means they will pick on elderly victims who may not be quite so 'streetwise' to their activities. At the other end of the scale they may also pick on younger inexperienced drivers who may be easier to deceive or intimidate.

Either way making yourself and your friends and family aware of these kind of activities is a good step. But probably your best protection against these kinds of scams is to stay vigilant and drive defensively.

This essentially involves observing the behaviour of the drivers around you carefully, and keeping well clear of anyone who is trying to drive suspiciously close to you. Try to keep plenty of space in front of your vehicle, this is good driving technique in any case as it gives you plenty of time to think and brake safely.

If you have had a car accident that was not your fault, please give Car Call a call on 02392 484 244 , and one of our experienced claims advisors will be happy to assist you.


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