From car and motorbike accidents to personal injury and pedestrian claims, we take care of everything you need after a non-fault accident. Here are the services we offer, each designed to keep you protected, mobile, and stress-free.
HOW ACCIDENT MANAGEMENT WORKS
ACCIDENTS ARE STRESSFUL, CLAIMS DON’T HAVE TO BE
When the accident isn’t your fault, you don’t need to go through your insurer. You can claim through us instead and we’ll pursue the at-fault driver’s insurer on your behalf.
Save your excess. Save your no-claims. Save the hassle.
ROAD TRAFFIC ACCIDENT CLAIMS, MADE SIMPLE
Accident management companies specialise in supporting people following an accident that wasn’t their fault, acting as a liaison between all involved parties, including insurance companies, repairers, hire car companies and solicitors.
While the main focus for an insurer is selling policies, our priority is managing claims and getting you the outcome you deserve. The best part is there’s no cost for using our service. We deal directly with the at-fault driver’s insurance. Which means:
- No waiting on hold – our calls are answered in 60 seconds
- No excess to pay
- Retaining your no-claims discount
- A smoother journey from start to finish
FROM YOUR FIRST CALL TO FINAL RESOLUTION, OUR TEAM MANAGES EVERY STEP - KEEPING THE PROCESS FAST, FAIR, AND STRESS-FREE.
Car Crash Claims
Full support from recovery to repairs. Plus we can provide a like-for-like replacement car.
Motorbike Claims
Specialist recovery, repairs and a replacement vehicle, as needed, to keep you mobile.
Cyclist Claims
Helping injured cyclists claim compensation for medical costs and losses.
Pedestrian Claims
Helping injured pedestrians claim compensation for medical costs and losses.
Personal Injury Claims
Support via our solicitor partners to help you secure compensation you following an RTA.
How Our Claims Process Works
Making a non-fault claim with Innocent Driver is simple. We handle everything on your behalf so you can focus on getting back to normal.
1
Get in touch first
Call our UK-based claims team or complete our online form. We’ll review what happened and confirm how we can help with your claim.
2
We take care of the claim
We deal directly with the at-fault driver’s insurer, arrange repairs with trusted repairers and organise a like-for-like replacement vehicle if you need one. If you or your passengers were injured, we can help with that too.
3
You sit back, we do the rest
Because the accident wasn’t your fault, the costs are recovered from the at-fault insurer. That means there's no excess to pay and your no-claims discount should remain intact.
WHY THIS WORKS BETTER THAN CALLING YOUR INSURER
Going through your insurer following a non-fault accident can mean:
- Paying an excess up front
- Losing your no-claims bonus
- Limited choice of repairer
- Delays in getting a replacement car
With Innocent Driver, none of this happens.
We do the hard work so you don’t have to.
WHAT WE DO...
- Speak to the at-fault insurer
- Arrange a replacement vehicle
- Coordinate repairs with approved garages
- Manage all claim paperwork & updates
- Keep you updated every step of the way
SO YOU DON'T HAVE TO...
- Speak to the driver after the incident or their insurer
- Pay an excess
- Chase for updates
- Fill out long, confusing forms
- Worry about any hidden charges
US VERSUS YOUR INSURER
Here’s why going direct to Innocent Driver is the smarter, fairer choice, when you’re in a non-fault crash.
Innocent Driver
Your Insurer
Replacement Vehicle
We can arrange a like-for-like replacement car, delivered to your door, so you remain mobile while your vehicle is being repaired.
May provide a small courtesy car, but often only if you have this on your policy and depending if they have one available.
Policy Excess
No excess to pay - we claim directly from the at-fault driver’s insurer.
You’ll typically pay your agreed excess upfront - often several hundred pounds - even if the accident wasn’t your fault.
No-Claims Bonus
As you're not claiming through your policy, your no-claims bonus shouldn't be affected.
Your no-claims bonus can be reduced or lost, and your premiums can rise by between 20 and 50% for up to 5 years.
Repairs
Repairs are carried out using genuine manufacturer parts and paints through our trusted national network.
Cost-driven repairs with non-genuine or second-hand parts are common. If you choose your own repairer, you could be charged hundreds of pounds extra.
Write-Offs & Valuations
Independent engineers assess fairly. We push for repairs where safe, even if costly, and ensure write-off values reflect the true market price.
Insurers often undervalue cars when written off, or choose to write off rather than repair, leaving you out of pocket. Several major insurers have been fined for this in recent years.
Customer Support
You'll deal with a UK-based claims expert. Plus you'll speak to your own, dedicated claims handler from start to finish.
You can often expect the call centre shuffle, having to repeat yourself over and over again. Plus long queues, overseas teams and a lack of consistency.
Speed & Ease
All of our calls are answered within 60 seconds. You can also start your claim online.
You will typically be on hold for some time to get through to the claims team, who are often based overseas.
Costs
Completely free to you. All costs recovered from the at-fault insurer.
Hidden costs and delays. Excess, premium hikes, and long claim recovery times.
With Innocent Driver, you stay in control – no excess, no premium hikes, no chasing. Just the service, support and outcome you deserve.
Accident Management FAQS
Here are a few questions about claims management we hear all the time.
Accident management can feel like a “hidden option” - many drivers only know about going through their insurer. These FAQs explain what accident management is, how it works, and why it can be a smarter choice if the accident wasn’t your fault.
What is accident management?
Accident management is a service that handles your non-fault accident claim directly with the at-fault driver’s insurer. It covers repairs, replacement vehicles, and even injury claims (via solicitors) – without you paying excess. Your no claims discount should also remain intact.
How is Innocent Driver different from my insurer?
We only act in your best interests. Unlike insurers, we don’t charge excess, risk your no-claims, or restrict you to basic repairs and small courtesy cars that might not be suitable for you. Everything is claimed from the at-fault insurer, not from you.
Do I have to tell my insurer about a non-fault accident?
No. We handle the claim directly with the at-fault insurer on your behalf.
You should check your policy terms and conditions, as you may still need to notify your insurer that an incident has occurred.
Do I have to pay for your service?
No. Our service is completely free to you. All costs are recovered from the at-fault driver’s insurer.
What happens if liability is disputed?
Disputes are common in road traffic accidents.
If this happens, we’ll gather evidence such as photos, witness statements, and engineer reports, and deal with the insurers involved to work towards a resolution as quickly as possible.
What if I’m at fault for the accident?
Our service is for non-fault accidents only.
If you were at fault, you would need to claim through your own insurer.
Who pays for my claim?
The at-fault driver’s insurer is responsible for covering the cost of your repairs, replacement vehicle, and any associated losses.
We recover our costs directly from them, so you’re not left out of pocket.
Can you help with injury claims?
Yes. If you or your passengers have been injured, we can instruct a specialist solicitor to pursue a personal injury claim on your behalf, including compensation for pain, treatment, and lost earnings.