Non-fault car accidents and insurance claims

If you have had a road accident that was not your fault, you do not have to make a claim on your car insurance policy – in fact, it will probably increase the cost of your insurance.

Thousands of people every year choose to make their non-fault claims independently of their insurers using our non-fault claims service. The reasons why they don’t want to make a non-fault claim on their own car insurance policy are simple: -

  • They don’t want an accident that was not their fault increasing the cost of their insurance

  • They don’t want to pay their excess and have to claim it back weeks later

  • They want the option of choosing the garage that repairs their car

  • They want to make sure they get a suitable replacement hire-vehicle

It’s not rocket science…

We help motorists involved in non-fault accidents by organising the repairs they need, providing comparable replacement vehicles and legal assistance.

Because we independently arrange and manage all the accident services you need, it is not usually necessary to make a claim on your own insurance policy.

Your insurer will be informed by us on your behalf ‘for information purposes only’ as your insurer requires, but they cannot increase your insurance premium if you do not actually make a claim. What’s more, they can’t charge you your excess for services they don’t provide.

When your car is repaired and you are happy with the result, we simply recover the costs directly from the at-fault drivers insurer on your behalf.

This enables our customers to receive a range of accident aftercare services, some of which may not be included in your insurance cover, such as: -

  • A comparable replacement for your un-roadworthy vehicle

  • Delivery of your vehicle typically takes place within 3 hours of starting your claim

  • Repairs to your vehicle will be arranged at an approved accident repair centre

  • Your repairs are fully guaranteed

  • Repairs are carried out according to your manufacturers specifications

  • You can choose the repairing garage yourself if you have a preference

  • We arrange legal assistance with issues such as out-of-pocket expenses and compensation claims

  • We and our partners recovery all costs from the at-fault drivers insurer on your behalf

  • As you are not making a claim on your own insurance policy, there is no excess to pay and your no claims discount should not be affected

If you would like to find out more about our services, simply call 02392 484 244 and we will be happy to help, or alternatively make an enquiry here and we will call you back.

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