12If the incident is not your fault, you accident management provider should pursue the third party to obtain re-imbursement for costs incurred, and can assist you in obtaining compensation for any losses you may have sustained.
Benefits from using an accident management service
There are multiple benefits from using an acknowledged accident management service rather than trying to manage your drivers’ accidents in-house.
For example, your accident management provider will ensure that your vehicle repairs are carried out as quickly as possible, and not held up at the repairer.
Faster repair time means that vehicle off-road time, along with overall cost, is considerably reduced, factors which most insurance companies take into account when negotiating renewal premiums with fleet customers.
Your provider’s specialist engineers should assess vehicle damage and decide upon the best, and quickest, way to manage it. Reducing the cost of repairs and minimising vehicle off-road time should be key priorities.
Repairs should be typically authorised within four hours of receiving repairer estimates and progress should be monitored until the vehicle is returned to the driver.
Your accident management provider should be able to offer an extensive network of mobile repairers and fixed body shops, to provide the widest driver choice and a full nationwide coverage with multiple repair options.
The aim should be to perform all mobile repairs within 24 hours of the incident to avoid downtime and the need for replacement vehicles. Where mobile repairs are not practical, then the target should be 24 hour repair with a fixed bodyshop.
Where the repair is more complicated, then jobs should be allocated to the most appropriate supplier. This may be the organisation with the most skill in a specialist area or one which has a geographical advantage for the driver.
SMART (Small Area Repair Technique) technology should be used wherever possible to reduce costs and speed up repair times.
Online management reporting provides a clear picture
Your accident management provider should be able to provide you with access to online reports to show you the most common types of accidents your drivers are having, the numbers involved and their costs, plus those that are the most expensive and time-consuming to put right.
Accident management analysis of this kind allows decision-makers to look at driver dynamics, whether the drivers share any particular characteristics or locations, and whether most accidents involve family members with access to company vehicles.
The online reports available should also include a summary of all claims; a summary of all live claims; and an engineer savings report, which highlights how the use of expert engineers can produce savings against repairers’ estimates.
In addition, where it is provided, an uninsured loss recovery report should detail the amount of money that claims executives have been able to recover for drivers’ non-fault accidents.
Helping you recover your uninsured losses
Where you incur losses for which you are uninsured, such as expenses incurred through an accident that is no fault of your own, your accident management provider should be able to provide a dedicated in-house uninsured loss recovery team to recover any loss related to each accident.
This can be compensation for the excess on your policy, cost of car hire, taxis, public transport, phone calls, or even damage to clothes.
All elements of a claim should be commenced simultaneously on the day of receipt and a claims handler should take full ownership of the matter, seeing it through to a logical conclusion and ensuring that all aspects are addressed in accordance with client instructions.
Benefits of using an accident management provider
The key benefits of using a professional accident management service are many, including: