A road accident is when one or more vehicles are involved. Road accidents are uncertain and have a significant effect on our daily life. An accident can be a non-fault accident or a fault accident. In a non-fault accident, the other vehicle’s driver is liable for the accident.
An Accident Management Company plays an important role in claims management. The company allows the non-fault driver to focus on his recovery and getting back on the road. The company acting on behalf of a non-fault driver will manage and handle the claims, including vehicle repairs and the other overheads of the claim.
How Accident Management Company Works
An accident management company provides end-to-end services after an accident. These companies manage and handle the whole claim from submission to settlement. They will communicate with the at-fault driver’s insurance company, negotiate offers, and settle the claim.
Accident Management Companies deal with multiple claims in a well-organized manner, reduce downtime, and ensure that individuals are back on the road without any hassle. In the UK, Accident Management Companies are regulated by the Financial Conduct Authority. This ensures they operate legally and professionally when managing claims and communicating with insurers.
An Accident Management Company provides widespread services to deal with all the overheads of a claim. The services include:
- Report Accident: After an accident, the non-fault driver contacts the accident management company to inform them about the accident and provide them with all the evidence.
- Vehicle Recovery & Storage: The company arranges for vehicle recovery and ensures your vehicle is transported to an approved repairer or garage.
- Hire Vehicle: The company will provide you with a replacement vehicle like your own until they complete your vehicle repairs. You do not have to pay any charges for the replacement vehicle.
- Claims Handling: They handle all the correspondence with the insurers, including claims management for vehicle repairs and personal injury.
- Legal Support & Guidance: Accident management companies also assist and guide with claims, confirming that all costs and expenses are recovered from the insurers of the at-fault driver.
Accident Management Company vs Insurance Company
There are many benefits to using an accident management company instead of going through your insurance company, such as the fact that they often hold unnecessary increases in insurance premiums or the no-claims bonus.
We can compare the services offered by an accident management company and the insurance company:
Accident Management Company Services:
- Un-effected Insurance Premium: After a non-fault accident, the claim is handled by an accident management company, leaving your insurance premium un-effected.
- End-to-end Claim Service: The company provides end-to-end services and deals with every step of the claim, from vehicle recovery to repairs and personal injuries.
- No Legal and Financial Risk: The accident management company is instructed to handle any legal consequences, confirming all damages, costs and losses are recovered by the at-fault driver’s insurance.
- No Policy Excess: The accident management company does not need an excess to start the claim. They do not claim on your policy.
- Experienced Claim Handlers: Our team of experienced and dedicated claims handlers will assist you throughout the process and keep you updated.
- No Win, No Fee: An Accident or Claims Management Company deals with your non-fault accident claim on a no-win, no-fee basis. You do not have to pay a single penny from your pocket even if you lose the claim.
- 24/7 Roadside Recovery: The company provides 24/7 roadside assistance and vehicle recovery services. If your vehicle is not drivable, we will transport it to the garage for repairs.
Insurance Company Services:
- Insurance Premium: If you speak to your insurance company after a non-fault accident to inform them about the accident, this could affect your no-claims bonus or result in higher insurance premiums.
- Insurance Excess: After a non-fault accident, your insurer charges a policy excess to claim. Still, accident management companies offer a comprehensive service that provides peace of mind and helps you avoid extra insurance costs.
- No Claims Bonus: Processing a claim through your insurance company will affect your no-claim bonus.
- Lower Quality Repairs: The insurance company offers low-quality vehicle repairs to reduce labour and replaced parts costs. The vehicle repairs are not according to the standards or low-quality parts that can affect the vehicle’s value, warranty and performance.
- Replacement Vehicle: Your insurers will provide you with a standard courtesy vehicle while your vehicle is repaired. On the other hand, the accident management company will provide a replacement vehicle similar to your car according to your specifications.
- Legal Support: Your insurance company will prefer cost savings over customer experience. An accident management company provides the best solutions and guides you through every step.
Get your Replacement Vehicle through Accident Claims Assist
After a road accident, your vehicle is off the road; throughout the whole process, you will have a comparable replacement vehicle. While handling your claim, you do not have to pay any excess costs. Our dedicated and experienced team is here to help you with a like-for-like replacement vehicle that matches your requirements.
Accident Claims Assist will ensure you are never left without a vehicle. You will receive one that matches your own or one tailored to your specifications. We have all types of vehicles in our car fleet, like PCO vehicles, Prestige vehicles, and standard vehicles. We will provide a comparable replacement vehicle that matches your size and specifications.
Why Choose Us?
- Fast Settlements: We expedite claims to ensure you receive compensation for your losses, vehicle damages, and injuries.
- No Upfront Charges: All services are free; you do not have to pay any fee, and we recover the cost from the at-fault party insurance.
- End-to-End Services: We handle your entire claim for vehicle recovery to repairs and injury compensation.
- Widespread Coverage: Our Accident management company is widespread in the UK.
- Legal Support: We provide professional legal guidance throughout the claims process.
- 24/7 Roadside Assistance: We provide 24/7 roadside assistance to our valuable customers.
Contact Us Today
Get fast, reliable support for all your accident management needs. Whether you’re in London, Birmingham, or elsewhere in the UK, we’re ready to help. Contact us now on 0203 642 8857 to start your claim and experience because we’re the leading accident management company in the UK.
You can also email us at claims@accidentclaimsassist.co.uk for more information and assistance.
Frequently Asked Questions
What is a replacement vehicle?
A replacement vehicle is a temporary vehicle provided to you within 24 hours by an accident management company while your car is repaired. You can also contact your insurance company for a replacement vehicle.
Can I withdraw my vehicle claim in the UK?
As a policyholder, you have the legal right to withdraw or cancel your claim at any stage before settlement.
Does a replacement vehicle mean a courtesy vehicle?
A replacement vehicle is more flexible regarding requirements and duration of use, and you can always have a car according to your specifications and needs. A courtesy vehicle is a standard vehicle provided by your insurers or the garages for temporary use.
