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Motor Accident?

Why a non-fault accident insurance claim may increase your insurance costs

You only have to do just a little research on the internet to find countless people who have discovered to their horror that their insurance premiums have increased following car accidents that they were not responsible for. So why does this happen?

Insurers calculate their policy premiums based on an assessment of the risk or likelihood of you being involved in a collision. For free help and advice with your accident claim, call us now on 02392 484 244.

Initially when you apply for an insurance policy you will be asked many questions about yourself and your previous driving history. All this information will then be processed with each piece of information either adding or subtracting from your final quote depending on the results of your perceived risk assessment.

All insurers will assess these risk factors differently and so these quotes will vary considerably. Other factors that may affect your quote will be the limitations of the cover offered (ie. the small print!) and of course any other additional features you may have selected such as breakdown cover for example.

If you have a car accident that is partly or wholly your fault, the insurer may increase your risk factor and your premium costs accordingly.

However if you have an accident that was not your fault many insurers may still consider that you are still more likely to be involved in an accident in the future, and so this extra risk may also result in an increase in your premium.

Here at Car Call UK we and our partners can report your accident to your insurer, but actually handle the claim on your behalf. This means that you will receive many of the benefits you would expect from your insurance policy, without an increase in your premium.

We can arrange for repairs to your vehicle by one of our approved repairers or a repairer of your choice. A like-for-like replacement vehicle will be provided and also any legal assistance you may need.

We will recover of these costs on your behalf directly from the at-fault drivers insurer, leaving you to get on with your daily routine with the minimum of disruption.

Whatever the circumstances of your accident, we will do our very best to help you in any way we can - so please contact us on 02392 484 244 and our UK based claims team will be happy to help.
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