I only have 3rd party insurance, do I still have to pay for my repairs if the accident was not my fault?

If you just have 3rd party car insurance but you were not responsible for the accident occurring – don’t panic, you may still have a couple of options.

Third party cover typically protects you from costs for the damage to other people’s vehicles and property if you were at-fault for the accident. It also provides cover if you (or your passengers) were injured as a result of the accident.

However, repairs to your own vehicle are not normally covered.

In this instance you have 2 options, you can seek to recover the costs from the insurer of the at-fault driver, or alternatively we can help you do this and also resolve the other aspects of your accident claim too.

About our non-fault claims assistance

We have helped thousands of people make accident claims independently of their insurers following non-fault road accidents. This includes drivers that have third party cover.

We and our partners take care of every aspect of your accident claim. The solicitors we work with will recover the costs and charges associated with your claim directly from the at-fault driver’s insurer on your behalf.

Our service provides the following benefits:

  • We provide an alternative to a claim on your own car insurance policy

  • You will have no excess to pay

  • Your policy no-claims bonus should not be affected

  • Our partners provide you with a comparable replacement vehicle to use while yours is repaired

  • We arrange for your vehicle to be repaired at an approved accident repair centre in your local area

  • Legal assistance will be arranged by the solicitors we work with for all your accident related issues

  • Costs and charges associated with your claim will be recovered by the solicitors we work with

  • 24/7 support and advice regarding your claim

If you are looking for assistance with your non-fault accident claim, 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