September 22, 2020

Your Legal Choices Following an Accident

Did You Know That You Have the Right, in Law, to Decide Who Repairs Your Vehicle Following an Accident?

In reality, if the accident is your fault, you have little option other than reporting it to your insurer and letting them deal with the claim. But, if you’re not at fault, you are free to choose any provider to look after the entire claim and repair process.

This is where accident management services can be an intelligent option. They allow you to recover the costs of repair without claiming on your insurance policy. This means that there’s no up-front excess to pay and your future insurance premiums shouldn’t be impacted by the claim.

Accident management services will also:

  • Provide 24/7 services for reporting the accident and collecting vital details
  • Provide a suitable replacement vehicle as rapidly as possible
  • Assess the damage to the vehicle and any injury to the driver or passengers
  • Arrange for repairs to be made at an approved garage
  • Deal with legal issues associated with the accident and handle any claims against the at-fault party’s insurance company

If you do choose to take this route the accident should still be reported to your insurance company, but this would be on an ‘information-only’ basis, as stipulated in most policies.

car driving accident

It’s a no-brainer then?

With the range of services on offer, and the removal of the detrimental impact on your insurance premiums, it’s easy to see why accident management services have grown in popularity so much over the last decade. In reality, there are a number of things to look out for.

Genuine accident management providers are focused on providing the best possible service to their clients and reducing the overall cost of incidents. They do this through comprehensive claims handling and careful management of repairers, to ensure that all work is carried out to a high standard and at a fair price. Less scrupulous players will pay more attention to maximising income through the pursuit of inflated legal claims and the application of unexpected fees.

Here’s what to look out for

  • Carefully read the terms and conditions of any agreement you make to ensure there are no hidden charges
  • Check how long they have been trading and whether their services are suitable for fleets rather than just individual customers
  • Investigate whether they are recognised and used by major insurance companies to assist in their claims handling
  • Ask if they have a nationwide network of approved repairers; this a good sign that these suppliers are managed carefully and regularly audited
  • Check whether they hold delegated authority from major insurers to approve repair estimates. This can reduce VOR times considerably.
  • Ensure that they provide detailed reporting of both individual incidents and across the fleet. This should include data on how they have performed at reducing vehicle off road (VOR) times and costs, and benchmark data against other fleets.

Want to know more?

If you’re interested in finding out more about how accident management could help your fleet to save time and money, we have a recent blog post covering the topic in more detail.

For a short period, we’re also offering you the chance to sign up for a free-of-charge trial of our accident management solution. If you’re interested in finding out more click here.