Car accident repairs without a claim on your insurance?

Thousands of motorists every year avoid having to claim on their car insurance policies by using our independent motor claims service.

Like many people, they have realised that by making claims for accidents that were not their fault they are likely to lose out financially by having to pay their excess, and also lose out by paying more for their insurance next time round. In addition to this, unless you have a top of the range policy you may not receive the level of assistance you are entitled to.

No need to claim on my insurance?

Provided you were not responsible for the accident, we can independently handle your entire accident claim for you.

We and our partners organise the repairs to your vehicle, in addition to providing you with a comparable replacement. If you need legal assistance following your accident, we will even arrange this too.

As you were not responsible for the accident, the insurer of the at-fault driver will cover all the costs of your claim. We and our partners recover these costs on your behalf.

Your vehicle is repaired

The damage to your vehicle will first be assessed by an independent automotive engineer, who will determine what needs to be done and how much it will cost.

The repairs will then be carried out at one of our quality approved accident repair centres. If you prefer to use a repairing garage of your own choice, just let your advisor know and we can arrange this for you.

We deliver a replacement hire-car

If your car is un-roadworthy we will arrange for a comparable replacement vehicle to be delivered to you, typically within 3 hours (if your vehicle is un-drivable) of starting your claim.

The majority of our vehicles are less 6 months old and include a wide range of vehicles from cars to commercial vehicles.

Will I get legal assistance with my accident claim?

There are often issues that will require the assistance of a solicitor in order to resolve. We can arrange this legal assistance for you if you require it.

These could include: -

  • Incidental expenses

  • Costs of damaged or lost property

  • Compensation for injuries

If you need help with any of these issues, the solicitors we work with will be happy to help you as part of your claim.

To find out more about our service, call us on 02392 484 244 and we will be happy to help.

Any policyholder can use this service, and it is your legal right to choose who repairs your vehicle. All assistance offered and information given on this page is provided by Car Call and its partners , no association or affiliation to any particular insurer is intended in any way, and your statutory rights are unaffected.

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 comparable 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 comparable 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