Motor accident claims. Why pay excess?
We all accept that you have to pay the excess if a motor accident was your fault, but why should you have to pay it when it wasn't?
It’s up to you. If your policy provides the legal cover and the assistance you require and you are not concerned about the effect your claim may have on your future insurance costs – you may choose to claim on you own insurance policy.
However using our alternative claims assistance allows you to get your vehicle repaired, a suitable replacement and legal assistance all without potentially losing your no-claims bonus and increasing the future cost of your car insurance.
We independently help thousands of drivers every year get the assistance they need, but without having to claim on their own insurance, call 02392 484 244 and we will be happy to manage your claim.
Why do I have to pay insurance excess if I was not at-fault?
Even if you were not responsible for the accident, your insurer will almost certainly still require you to pay the excess on your policy before they will authorise the repair of your vehicle.If this seems unfair to you - we agree. Unfortunately as far as the insurer is concerned, a claim is a claim whether it is fault or non-fault; so in accordance with the terms of your insurance policy, you may still have to pay the excess before your vehicle is repaired.
Policy excess is a great way to help reduce your annual insurance costs. However you must be able to afford this amount if you were at-fault for the accident.
Why you don't have to pay your excess if you were not at-fault
Our independent claims service enables anyone who has had an accident that was not their fault to get the assistance they need without making a claim on their insurance.You will get the same services you would expect from your insurer, such as your vehicle repairs, a comparable replacement vehicle and legal assistance.
You won't however have any excess to pay, your annual insurance premium should not increase and you are not bound by the limitations of an insurance policy.
Does your service cost me anything?
We and our partners recover these costs directly from the at-fault drivers insurer on your behalf.So how exactly do you help after an accident?
We will take the details of your collision and start arranging the services you need from the list below - straight away.- We supply you with a comparable replacement vehicle for you to use if yours is un-roadworthy and /or being repaired
- The replacement vehicle will typically be delivered within 3 hours of starting your claim to your home or place of work
- We will arrange your vehicle repairs at an approved accident repair centre or at a repair centre of your own choice
- If you need help with any legal issues then we will put you in touch with a specialist road accident solicitor
- Our claims Help Line is available 24/7 to assist with your queries
If you have had motor accident and you cannot pay your excess, call us now on 02392 484 244 for free help and advice from one of our experienced claims advisors.
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
