Cryptic crossword clue
Reluctant car crash victim’s listed 11

The most common and most likely answer to this crossword clue is the 11 letter word DISINCLINED

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The straight part
We know that "reluctant" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case reluctant = disinclined.
The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.
This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.

What does DISINCLINED mean?

DISINCLINED verb
  1. To make reluctant; to lessen the inclination of.
DISINCLINED adjective
  1. Not inclined; having a disinclination; being unwilling.

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