What is split liability?


You may have heard the term 'split liability' and wondered - what does that actually mean?

If you are involved in a car accident and the circumstances of the accident mean that no single individual is clearly responsible for it's occurrence then the liability or responsibility for the accident will have be apportioned to both individuals appropriately.

For example if two drivers reverse into each other in a car park, both people were clearly not paying attention to their surroundings, and so this would usually be a case of a 50/50 split liability claim. Both parties involved will have to bear half of the costs of the repairs.

The liability for a car accident can of course be split in other proportions too, depending on the circumstances.

So who decides how the liability is apportioned?

This would typically be decided between both insurers involved or a claims management company and the insurer. Fortunately liability rarely needs to be decided in court, except in exceptional circumstances.

Car Call and our partners specialise in helping drivers with all the issues surrounding car accidents or in fact accidents involving any type of road vehicle. If the accident was not your fault we may be able to provide an alternative to a claim on your insurance policy.

Even if your accident was a split liability we may still be able to help you, so feel free to contact us as on 02392 484 244 and one of our experienced claims advisors will be happy to help.


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