Car accident not going through insurance is it possible?

Within in the UK every years there are thousands of car accidents, the majority of the time this is due to the human error of the driver. The legislation within the UK states that all legal car drivers must hold valid insurance on a vehicle if it is used on public roads. This car insurance is present to protect both the owners vehicle and also other peoples vehicles if they are to be damaged by the driver. One standard procedure with car insurance is for drivers to set an excess amount on their policy. This is an amount of money which the driver agrees to pay if they are to claim off of their insurance company. Some driver choose to have a high excess and some to have a low excess. Many young drivers tend to choose a higher excess in order to reduce the total cost of their insurance. If car drivers do not claim on their insurance policy for a year, or whenever their policy expires, the driver will receive a no claims bonus. This is not a financial reward bonus but is one which will prove the drivers record in relation to insurance claims. Due to this, the more no claims bonuses a driver holds, the less their car insurance will be, in theory. There are many other factors to consider such as location and also the kind of car it is.
What many drivers would like to know is whether it is possible to settle an accident claim without claiming on their insurance policy. This is something which would suit many younger drivers, as claiming on their insurance would mean paying the excess and also having a higher annual insurance premium for years to come. Car owners are well within their rights to settle a claim outside of the insurance company. Although drivers should be aware that they would then not get the advantage of having an insurance company managing the claim. The person who has had their car damage must also trust that the other person will actually provide the money to cover the repair of their car. In many cases drivers prefer the support of their insurance company, especially as this will guarantee they get their car fixed.
In the majority of cases when a claim does not go through an insurance company, the guilty party will either pay a garage directly for the repair of the other parties car or will hand the cash to the other party. All parties involved are advised that the lose any legal support when not processing a claim through an insurance provider.