Will a no-fault accident affect my car insurance
Many people mistakenly believe that if a car accident is not their fault, it does not affect their insurance. Actually - it does.
When an insurer ‘deals’ with your accident repairs etc. for you, you are making ‘a claim’.
It does not matter whether it’s ‘his fault’, ‘her fault’, ‘your fault’ or ‘their fault’ – it’s still a claim on your policy.
So the effect of a no-fault car insurance claim on your policy will be: -
- You will probably have to pay your excess before your vehicle can be repaired
- The cost of your insurance is likely to increase as a result of your non-fault claim
- You may lose your no-claims discount
This is why thousands of motorists every year choose not to make no-fault on their car insurance policies and use our alternative claims assistance.
Will you get my car repaired and a replacement?
If you were not responsible for the accident and you need your vehicle repaired, you can choose between a claim on your car insurance policy which has the disadvantages mentioned above, or you can use our service instead.All costs and charges are recovered directly from the insurer of the person at-fault for the accident.
We independently help thousands of motorists every year get the assistance they need without any of the disadvantages of a claim on their own car insurance.
Not only will you probably save money by using our service, but you will find our service is usually better than that of your own insurance provider.
You will get your vehicle repaired at one of our network of approved Accident Repair Centres. We will also deliver a comparable replacement hire vehicle to you if yours is unroadworthy, so you have a quality vehicle to use instead of an old garage ‘courtesy’ car.
The solicitors we work with can also help you recover the costs of any uninsured losses. These could include the recovery accident expenses, lost earnings, travel costs, hire-vehicle costs or personal injury claim costs.
It does not matter what type of insurance cover you may have on your vehicle, we act independently of your insurer, so all our customers are entitled to the following services: -
- We provide a comparable replacement for your damaged vehicle
- Your replacement is delivered typically on the day we accept your claim
- Your car repairs are arranged at one of our approved accident repair centres or at a repairer of your own choice
- All repairs are fully guaranteed and are carried out according to manufacturer specifications
- Legal assistance can be arranged for accident related issues such as the recovery of expenses, lost earnings or claims for compensation
- We and our partners recover costs and charges directly from the at-fault driver’s insurer on your behalf
- Help and advice from our 24/7 help line
To get the assistance you need without a claim on your car insurance, 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.
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.
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.
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.
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:
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