Note: We do not cold call. If you’ve received a cold call, click here for more information.
We clarify the choice between working with an Accident Management Service or using your own insurance provider after a non-fault accident.
Call Us 0778 612 8786
By law, you have the right to choose how you claim.
If you make a claim on your insurance, it will be classified as open until all costs have been recovered by your insurer, which could take up to 12 months.
Your premium may increase by 20% to 50%, regardless of fault or non-fault, as you are considered a higher risk.
Additionally, this could affect your future policies for the next 5 years, as insurers will ask for your claims history during this period when you renew.
When you purchase your insurance policy, you agree to pay an excess in case of an accident.
Therefore, if you make a claim, you must cover the agreed excess, which could amount to several hundred pounds depending on what was agreed upon when the policy was taken out.
When you make a claim on your insurance, your No Claims Bonus might be reduced by 2 years, even if it is protected.
If it is not protected, you could lose it entirely.
It may take at least 12 months for your insurer to recover all their losses, and only then will your No Claims Bonus remain unaffected.
Even with a No Claims Bonus, your premium may increase by 20% – 50%, as insurers view any accident as a potential future risk, affecting you for up to 5 years.
Insurers will review your previous claims history when you renew your policy.
They don’t use genuine parts for vehicle repairs.
An insurer aims to minimize repair costs by negotiating reduced labor rates, paint, and parts prices with their approved repairer.
To offer these lower prices, the approved repairer may use inferior parts, which could affect any existing warranty on your vehicle.
Using aftermarket parts, which are not genuine and not rigorously tested by the manufacturer, can affect the overall quality of the repair. It is recommended to use genuine OEM parts.
Your insurer may charge an extra fee if you use your own repairer.
They prefer you to use their network repairer to save money.
This is unfair, as you are legally entitled to choose any repairer for your vehicle.
If this happens, you would have to challenge the increased fees with your insurer on your own.
If you use your insurer’s approved repairer and your vehicle is repairable (not provided if your vehicle is written off or stolen), you might be offered a courtesy car, typically a small 1.0 hatchback, which may not meet your needs.
The courtesy car will also be removed if the repairs take longer than the maximum number of days allowed by your policy (usually no more than 21 days).
Your insurer may undervalue your vehicle to save money.
You would need to provide evidence of its true value, which means checking online sources like Elite Accident Management Trader.
You might also have to hire an independent appraiser to determine the vehicle’s value, and this cost would be non-refundable.
This could be a lengthy and exhausting process to receive what you’re entitled to, as the insurer will likely contest your evidence to reduce their costs.
Insurance companies don’t have a fleet of vehicles or a large team of claims handlers to manage your claim.
Their primary goal is to provide insurance coverage and collect premiums.
Managing a claim requires expertise and the expense of employing claims handlers, which most insurers prefer to avoid. Instead, they often partner with an accident management company like ours to provide you with a vehicle and manage the claim
Our reviews reflect our dedication to delivering exceptional service to all our customers when they need it most.
We are an award-winning FCA-regulated company with over 10 years of experience in the industry.
No long hold times or generic email addresses. You’ll receive a direct phone number and email for your claims handler, who will guide you through the entire process, removing the stress and hassle of handling a claim.
You won’t have to pay any costly excess; all expenses are recovered from the at-fault insurance company.
As you are not claiming from your insurance policy, your no claims bonus and premiums will remain unaffected.
An independent engineer performs an accurate and impartial damage assessment and vehicle valuation, ensuring you receive the compensation you deserve.
Our accident management experts are here to assist with Vehicle Accident Claims Management, Roadside Recovery, Vehicle Repair, Vehicle Storage, and Comparable Vehicle Replacement/Hire
Elit Accident Management(ECM)
122A new road side
horsforth
leeds
ls18 4qb
Registered: 06852246
FCA Regulated: FRN830899
Copyright ⓒ 2024 | Auto Claims Assist Ltd (ACA) | Website by DISRUPT.
Privacy Policy | Cookie Policy | Terms & Conditions | Site Map | Locations
