Getting your car repaired following a non fault car accident

Following a non-fault accident your CoverGirl legal expenses insurance can help you get your car repaired.

Provided we have car insurance details of the person responsible for the accident and provided their insurance company admits liability, we can usually arrange for your car to be repaired on a ‘credit-repair’ basis, whereby the repair bill is sent directly to the third party’s insurance company. Even if you have comprehensive car insurance, we can still arrange credit-repair. You don’t have to claim on your own insurance if you don’t want to, nor will you have to pay your policy excess.

How credit repair works
We will arrange for an independent vehicle engineer to inspect your car and produce an estimate for repairs. Provided your car isn’t beyond economical repair (ie: an insurance write-off), your car can then be booked in for repairs. We will usually be able to arrange for a replacement car whilst yours is off the road. See Getting a replacement car for more details…

Once your car has been repaired, there is nothing for you to pay. The repair bill will be forwarded straight to the insurance company of the person who caused the accident.

If your car is deemed a write-off by the vehicle engineer, a pre-accident value will be put on the car and once you have agreed this figure, you will receive a cheque for this amount from the other person’s insurance company, to enable you to replace your car.

If you have been involved in a car accident, call our claims advice line on 0800 954 97 56 and get your claim underway.

*A replacement car can normally be arranged under one of the following conditions: (1) Comprehensive policyholders – a replacement car may be available under the terms of your insurance policy. Please check your policy details for more information. (2) Non fault accident – where we have the name, car registration number and insurance details of the person who caused the accident, we can supply a replacement car. This is done on a credit hire basis which means the costs for this service will be passed onto the insurance company of the person who caused the accident. We may not be able to arrange a replacement car where we are unable to get an admission of liability from their insurance company, or where the driver is untraceable or uninsured. (3) Repair garage – if your car is booked in for repairs following an accident, the repair garage may be able to provide a replacement car (subject to availability).