Car Accident Claims Help, From the People Who Recover You
Most accident claims advice is written by people who have never stood on a hard shoulder. We recover crashed vehicles on UK motorways around the clock, and these guides answer the questions drivers actually ask at the roadside: who pays for the recovery, whether the excess applies, what happens to a written-off car, and how a non-fault driver ends up paying nothing.
Crashed and It Was Not Your Fault?
Get behind the barrier, then call. For a clear non-fault accident you pay nothing for the recovery, the storage, or a like-for-like courtesy car: all three are claimed from the at-fault driver's insurer, and we confirm that on the phone before we set off.
Tap to call, 24/7 07960 200 253WhatsApp UsThe One Thing Every Non-Fault Driver Should Know
If another driver caused your accident, the costs that follow are their insurer's responsibility, not yours. That includes recovering your car from the scene, storing it while the claim is set up, repairing it or paying its value if it is written off, and putting you in a like-for-like replacement vehicle while yours is off the road. This is not a special offer, it is how liability works, and it is the reason a genuinely non-fault driver can come through an accident without paying anything themselves.
The catch is that nobody at the roadside tells you this. The at-fault driver's insurer would rather take over your claim on its own terms, a practice called third-party capture, and claiming through your own policy usually means paying your excess and watching a claim appear on your record while the insurers argue behind the scenes. The honest version has a condition attached, and we state it plainly on every page in this section: costs are only free to you when the other driver is at fault and liability is not in serious dispute. When fault is contested, a straight answer about where you stand matters more than a slogan, and you get that answer before anything is charged.
Everything in these guides flows from that one principle. Who pays for what, whether your excess applies, what a Cat S marker means, what the Motor Insurers' Bureau does when the other driver was uninsured: each page takes one question drivers ask us at real accident scenes and answers it properly.
Accident Claims Guides
Every guide is written around a single question, in plain English, with the conditions stated rather than hidden.
Non-Fault Accident Recovery: Why It Can Cost You Nothing
Not your fault? Recovery, storage and a courtesy car can all cost you nothing, claimed from the at-fault driver's insurer. How it works and what qualifies.
Who Pays for Recovery After an Accident? The Honest Answer
Who pays for recovery after an accident? Normally the at-fault driver's insurer. The three routes, disputed fault, storage charges and what if you caused it.
The Non-Fault Accident Claim Process, Step by Step
The non-fault accident claim process from scene to settlement: evidence, liability, recovery, repairs or total loss, replacement car and realistic timescales.
Replacement Vehicle After a Non-Fault Accident: What You Are Entitled To Drive
Not your fault? You can be provided with a like-for-like replacement car through credit hire, with the charges recovered from the at-fault driver's insurer.
Do I Pay My Excess After a Non-Fault Accident? The Straight Answer
Yes, on an own-policy claim you normally pay your excess upfront even when the accident was not your fault. How the refund works and the route that avoids it.
What to Do After a Motorway Accident: The First Hour
What to do after a motorway accident, from the company that attends them: safety first, your legal duties, the evidence that decides the claim, and recovery.
At Fault vs Non-Fault: How Liability Is Actually Decided
At fault or non-fault: how insurers actually decide liability after a car accident, the evidence that moves the argument, and what a 50/50 split really means.
Hit and Run or Uninsured Driver: How You Can Still Claim
Hit by a driver who left the scene or had no insurance? What to record, why the police report matters, and how a Motor Insurers' Bureau claim really works.
Car Written Off After an Accident: What Actually Happens
What happens when your car is written off: how a total loss is decided, what Cat S and Cat N mean, how the payout is set, and how to challenge a low offer.
Do You Get a Courtesy Car After an Accident? The Honest Answer
Do you get a courtesy car after an accident? What your policy actually provides, and the non-fault route to a like-for-like car paid by the at-fault insurer.
Why Use an Accident Management Company? An Honest Case From a Group That Runs One
Why use an accident management company? What they actually do, the three routes compared honestly, and when this route is not the right answer.
From Crash to Settled Claim
A non-fault claim is a sequence, and knowing the sequence is most of the battle. This is the journey as it actually runs.
The scene
Safety first, then evidence. The details gathered in the first thirty minutes, positions, registrations, witnesses, dashcam footage, decide how smoothly everything after this goes.
The recovery
Your vehicle is recovered from the roadside to a repairer, secure storage, or a safe location of your choice. In a clear non-fault accident the cost of this is claimed from the at-fault insurer, not from you.
The claim is set up
Liability is put to the at-fault driver's insurer with the evidence behind it. You do not have to claim through your own policy, pay your excess, or accept the other insurer's offer to handle things.
Repairs and a replacement car
An engineer inspects the damage, repairs are authorised or the vehicle is declared a total loss, and if you need a car in the meantime a like-for-like replacement can be arranged on the same claimed-from-the-insurer basis.
Settlement
Recovery, storage, repairs or valuation, hire and any other losses are settled by the at-fault insurer as one claim. You are kept informed rather than left chasing three different phone numbers.
Why a Recovery Company Writes About Claims
Because we see the gap every week. A driver stands next to a damaged car on the hard shoulder, shaken, and the first three phone calls they make shape the entire claim: who recovers the vehicle, where it goes, and whose version of events reaches an insurer first. Get those right and a non-fault claim runs smoothly. Get them wrong and the driver ends up in the at-fault insurer's chosen garage, in a small courtesy car, having paid an excess they never needed to pay.
We are the physical half of that process, the trucks, the storage, the scene procedure, and our sister company is the claims half. Writing down what we tell drivers on the phone anyway costs nothing and means you can read it calmly instead of hearing it for the first time next to live traffic.
CityGrip Accident Claims
Our sister company within the same group, Citygrip LTD
The claims team handles liability, repairs, storage, replacement vehicles and settlement for non-fault drivers, pursuing every cost from the at-fault insurer, including your recovery from the scene. Start with the accident form or read their own guides on who pays for what.
Accident Claims FAQ
Why is a recovery company publishing claims guides?
Is accident recovery really free after a non-fault crash?
Do I have to claim through my own insurance company?
What should I do first, right now, if I have just crashed?
What is CityGrip Accident Claims and how is it connected to you?
What if the other driver was uninsured, or drove off?
Do these guides replace legal advice?
Need Accident Recovery Right Now?
Call from the roadside. If the accident was not your fault, we explain the cost position before a truck is dispatched.
07960 200 253