If you have a road accident, which is not your fault, you may think you will not lose out financially, if you go through your own insurer, when making your accident claim. This is not true. Your insurer will charge you any agreed policy excess- even though the accident was the other driver’s fault. Also, unless you have fully comprehensive cover, you will not be supplied with a replacement car. If you only have third party cover, you will find that your own insurer will do nothing to help you with any accident claims- all they are interested in is not paying out any money.
Whatever your level of cover, your insurer will leave much of the running around up to you, when sorting your accident claims. You will be expected to sort out any accident claims repair estimates, and your insurer will decide which garage fixes the car. Most insurers are not prepared to offer a cash in lieu of repairs option, on accident claims. Accident claims handling is the largest source of complaint amongst policy holders.
In contrast, some accident claims look after all aspects of your accident claims. We chase up the other driver’s insurers, lend you a replacement vehicle, and permit you to select which repairer fixes your accident claim damage. We are also able to offer you a cash in lieu option, if we are handling the injury side of your accident claims.
Depending on the insurer, accident claims will arrange for your vehicle to be recovered, and it will be taken to a a secure accident claims compound, where an accident claims assessor will prepare a report on the damage. Our engineers value accident claims vehicles at forecourt prices, and provide work estimates using manufacturers figures and new parts only.
Compensation for accident claims is another area where insurer services may differ. We will organize a proper evaluation of your accident claims injuries, and can organize physiotherapy and other treatments, to help you recover from your accident.