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
Once the detailed repair estimate has been submitted to the third-party insurer, the next step is obtaining their authorisation. This approval is essential to proceed with the repairs.
The Insurer Reviews The Repair Estimate
The insurer's assessment team examines the repair estimate. They make sure it aligns with industry standards, fair pricing, and the extent of the damage documented.
Clarification and Negotiations (If needed)
If the insurer has any queries or requires further justification for the repairs, we provide them with any information they need. Our experience with insurance procedures means we’re always prepared for any issues that might arise.
Repair Authorisation Confirmation
After their review, and once satisfied, the insurer approves the final assessment and estimate presented. The insurer will then issue a formal authorisation for the repairs to proceed.
Keeping You Updated
During the repair authorisation process, your dedicated claims manager will keep you up to date. We don’t make any decisions without your approval, and if you’re unsure, we are here to offer advice and guidance. You’re updated on all communication between ourselves and the third-party insurer.
Ready for Repair
Once we have the insurer’s repair approval, we move to the next step of arranging the vehicle’s repairs. In the background, your dedicated claims handler has already been preparing all of the necessities to schedule your repair, to avoid delays.