The car accident claim process
- What to do directly after a car accident
- Enquire with Auto Claims Assist
- Getting recovered from the roadside
- We’ll take down the details of the accident
- Assessing Liability
- Auto Claims Assist driver checks & claim acceptance
The vehicle is unroadworthy
Unroadworthy repairable- Replacement comparable vehicle is provided
- The claim is passed to our monitoring team
- We fight for liability throughout
- Repairer instructed from our specialist repair network
- The repairer will collect your vehicle from where it is
- Repair estimate created and declared to the insurer
- Repair is authorised by the third-party insurer
- Parts and paints are ordered in - The repair begins
- Back on the road and your hire car is collected
- All costs are claimed back from third party insurer
Unroadworthy total loss- Replacement comparable vehicle is provided
- The claim is passed to our monitoring team
- We continue to fight for liability, even after payment
- Engineer instructed to value the pre-accident valuation
- Engineers report is agreed by you
- Valuation & payment request sent to third-party insurer
- Use of hire car for 7 days while you source a new vehicle
- Additional support to get you back on the road
The vehicle is roadworthy
Roadworthy repairable- We begin by fighting for liability
- Repairer instructed and repairs authorisation are granted
- We book in a date for your vehicle's repair
- Comparable replacement hire car is arranged
- Repairs are completed and your car is back on the road
- Replacement hire car is collected within 24 hours
- Payment is requested from the third-party insurer
Roadworthy total loss
- What to do directly after a car accident
- Enquire with Auto Claims Assist
- Getting recovered from the roadside
- We’ll take down the details of the accident
- Assessing Liability
- Auto Claims Assist driver checks & claim acceptance
- The vehicle is unroadworthy
- Unroadworthy repairable
- Replacement comparable vehicle is provided
- The claim is passed to our monitoring team
- We fight for liability throughout
- Repairer instructed from our specialist repair network
- The repairer will collect your vehicle from where it is
- Repair estimate created and declared to the insurer
- Repair is authorised by the third-party insurer
- Parts and paints are ordered in - The repair begins
- Back on the road and your hire car is collected
- All costs are claimed back from third party insurer
- Unroadworthy total loss
- Replacement comparable vehicle is provided
- The claim is passed to our monitoring team
- We continue to fight for liability, even after payment
- Engineer instructed to value the pre-accident valuation
- Engineers report is agreed by you
- Valuation & payment request sent to third-party insurer
- Use of hire car for 7 days while you source a new vehicle
- Additional support to get you back on the road
- The vehicle is roadworthy
- Roadworthy repairable
- We begin by fighting for liability
- Repairer instructed and repairs authorisation are granted
- We book in a date for your vehicle's repair
- Comparable replacement hire car is arranged
- Repairs are completed and your car is back on the road
- Replacement hire car is collected within 24 hours
- Payment is requested from the third-party insurer
- Roadworthy total loss
Roadworthy repairable (Overview)
After a non-fault accident, your car is usually considered "roadworthy repairable" if it can be safely driven and repaired. This usually means the damage is mainly cosmetic (affecting the car's appearance) rather than structural or mechanical.
Here's what happens when your vehicle is roadworthy and repairable:
- Establishing Fault: We start by fighting and establishing liability, confirming that the other driver was at fault. Read more
- Repair centre assigned and repairs authorised: We’ll assign an accident repair centre from our nationwide network. We'll then get the repairs authorised by the third-party insurer. Read more
- Scheduling Repairs: Your repairs are scheduled in with the assigned accident repair centre. Read more
- We'll Bring You a Replacement Car and Take Yours for Repair: We’ll deliver a comparable hire vehicle to you. This is for you to use while yours is being repaired. We'll also arrange to pick up your damaged car and take it to the repair centre. Read more
- Repairs Completed: Your car will be fixed to the highest standards by our BSI Kitemark Accredited repair centre. Read more
- Returning the Hire Car: We'll collect the replacement car when we deliver your repaired vehicle back to you. Read more
- Payment is Requested from the Third-party Insurer: We request payment from the third-party insurer. The third-party insurer covers all costs, so there’s no cost to you. Read more
Unsure if Your Car is Roadworthy & Repairable?
Don’t worry! We'll help you determine your car's status.
Knowing which claim process your vehicle falls into isn’t common knowledge. There are specific criteria that insurance companies use to determine if a car is roadworthy and repairable. You don't need to know these details before speaking to us. Our New Claims team are here to inform you and help you understand which category your car falls into. We do this based on the specifics of your accident and the damage to your vehicle.
Been in an accident that wasn't your fault?
At Auto Claims Assist, we specialise in non-fault claims and are committed to helping you every step of the way. We'll handle everything for you, from start-to-finish.