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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.

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Speak to an accident management specialist now.

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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.

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.

Car Crash Claims

Full support from recovery to repairs. Plus we can provide a like-for-like replacement car.

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Motorbike Claims

Specialist recovery, repairs and a replacement vehicle, as needed, to keep you mobile.

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Cyclist Claims

Helping injured cyclists claim compensation for medical costs and losses.

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Pedestrian Claims

Helping injured pedestrians claim compensation for medical costs and losses.

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Personal Injury Claims

Support via our solicitor partners to help you secure compensation you following an RTA.

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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.

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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.

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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.

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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 you shouldn’t have to pay an excess and your no-claims discount should remain intact.

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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.

Sounds too good to be true. What’s the catch?

There isn’t one. If the accident wasn’t your fault, all costs are recovered from the at-fault driver’s insurer – not you. That means no excess to pay, no hidden fees, and your no-claims bonus should be unaffected.

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. Many drivers think they must call their insurer first, but you’re under no legal obligation to do so. If you claim through your insurer, you may risk paying your excess and losing your no-claims bonus.

Will making a claim affect my no-claims bonus?

Not with Innocent Driver. Because we claim directly from the at-fault insurer, your no-claims bonus stays intact.

Do I need to pay my policy excess?

No. Unlike going through your insurer, there’s no excess to pay when you use Innocent Driver.

What kind of courtesy car will I get?

We’ll arrange a like-for-like replacement – not just a small hatchback. If you drive a family car, SUV, or executive vehicle, we’ll do our best to match it.

How long will it take to get my car repaired?

We start the process right away. Repairs are arranged through our nationwide manufacturer-approved network, so there are no unnecessary delays.

Do I have to pay for the service?

No. Our service is completely free to you. All costs are recovered directly from the at-fault insurer.

Do I still have to speak to my insurer?

No. By law, you don’t need to claim through your insurer if the accident wasn’t your fault. We handle everything directly with the other driver’s insurer.

Do you speak with my insurance company?

Yes, if needed. Sometimes we’ll inform them that your claim is being handled through Innocent Driver. But you won’t need to go through their process or pay an excess.

Who pays for my claim?

All costs are recovered directly from the at-fault driver’s insurer. You don’t pay a penny.

Do you speak with my insurance company?

Yes, if needed. Sometimes we’ll inform them that your claim is being handled through Innocent Driver. But you won’t need to go through their process or pay an excess.

What if I’m at fault? Do I need to claim on my insurance policy?

Yes. If you were at fault for the accident, you’ll need to claim through your own insurer. Our service is only for non-fault accidents.

Who pays for my vehicle if it is written off?

The at-fault insurer pays. We use independent engineers to ensure your car is fairly valued, and we’ll challenge low valuations to get you the correct settlement.

How does Innocent Driver differ from my insurance company?

We act only in your best interests. Insurers are focused on their own costs, which is why you often end up paying your excess, risking your no-claims, or being given a basic courtesy car. We do the opposite: no excess, no no-claims risk, and a like-for-like replacement.

Do I still need insurance if I use Innocent Driver?

Yes. You must have valid insurance by law. We step in only when the accident wasn’t your fault.

Can you help my claim for injury?

Yes. If you, or any passengers, were injured in a non-fault accident, we can help with a personal injury claim. That includes compensation for pain and suffering, medical treatment, rehabilitation and lost earnings.

My liability has been disputed, what happens now?

Don’t worry – disputes happen. We’ll gather evidence, work with engineers, and deal with the insurers involved to resolve the case as quickly as possible.

Will my No-Claims Bonus (NCB) be affected?

No. Because we don’t use your policy, your no-claims bonus stays intact.

Will you recover me from the scene of an accident?

Yes. We can arrange 24/7 nationwide recovery and secure storage for your vehicle if it’s not drivable.

Who delivers my replacement car?

We will. Your like-for-like replacement vehicle is delivered to your home, workplace, or wherever is convenient.

Didn’t find the answer you were looking for? Our UK-based claims team is here to help. Call us on 0800 368 8928 or click below to get free, no-obligation advice.

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FOR INFORMATION ON HOW WE WORK, GET IN TOUCH TODAY

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