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
We begin by fighting for liability
When your vehicle is damaged in a non-fault accident, but is still roadworthy, our first priority establish liability with the at-fault driver’s insurance company.
Building your case
Now that we've gathered the accident details from you and assessed liability, we can prepare your case for the insurer. We leave no detail overlooked when collecting evidence to support your non-fault claim. This typically includes:
- A formal letter of claim: This outlines your case and the claim that you're making.
- Supporting evidence: We'll include all the documentation we've gathered, such as police reports, witness statements, and photos etc.
We Present Your Claim to the At-Fault Driver's Insurer
Armed with a strong case for your non-fault liability, we'll formally submit your claim to the other driver's insurance company. With years of experience dealing with insurers, we know how to present your case clearly.
We Take Care of Everything
You don't have to worry about dealing with the insurance company or complex paperwork. We'll handle it all. We work to resolve your claim quickly and efficiently. We'll handle all communication and negotiation with the insurer, keeping you informed throughout the process.
Why Fighting for Liability is Important
Establishing your non-fault status goes beyond determining who covers the costs. It can influence:
- Your Insurance Costs: Being blamed for an accident can mean higher costs later on.
- Your Claims Record: Non-fault claims generally don't negatively impact your insurance record.
- Your Peace of Mind: Knowing you're not responsible for something you didn't cause can offer valuable peace of mind.
We'll Protect Your Rights
Our goal is to make sure you're not held responsible for an accident you didn't cause. We'll work to ensure that you receive everything you're entitled to, so you can focus on getting back on the road without unnecessary stress or financial burden.
No Out-of-Pocket Expenses for You
As the non-fault driver in the accident, you won't have to pay for any costs related to your claim. This includes the cost of repairs, the replacement vehicle, or our services. The at-fault driver's insurance company is responsible for covering all expenses as a result of the accident.
Keeping You Updated
While we’re establishing liability, we'll keep you informed of all communication between ourselves and the at-fault driver's insurer.
Liability is established and repairer is assigned
Once liability has been established with the third-party insurer, we move onto the next step: Instructing your repairer. Your repair will be conducted by our BSI Kitemark Accredited nationwide repair network.