We ONLY handle road accident claims, and cover the whole of the UK. We even have offices in Scotland.As with all our services, you never pay anything, for using us. All our fees are recovered from the other parties’ insurers. This also means that your no claims bonus will not be affected; you do not have to pay any agreed policy excess, either! We are not purely interested in handling your injury claim- we do everything to get you back on the road, and your life back to normal. We deal with parked car damage, property damage caused by cars; in fact, any type of nonfault claim. If your, or the other party’s insurer has dealt with the car damage claim, we can handle the injury side for you, and get your policy excess back!Even if your insurance has lapsed, or your insurer has invalidated your policy, we can handle injury claims, and recover your car repair costs. No wonder so much of our business comes from personal recommendation!
When you call our helpline, which is open late, 7 days a week, an operator will take some brief details of your accident. A trained accident specialist will then call you back, and advise you on any aspect of your claim, – how to register your injuries with the doctor or accident unit etc.
We will then track down the third-party insurers, and file a claim for you. If necessary, we will contact any witnesses. Unlike a lot of insurers, we do not require an admission of fault, from the other driver, before handling your claim. We will make our own investigations, and decide from there. You will find that a lot of insurers will hold you at fault, until they get an admission of guilt from the other driver. This often means that you will be charged any policy excess etc- which can seriously hamper your claim, and leave you out of pocket- often for hundreds if not thousands of pounds. This is especially true on older cars, or for younger drivers, who often have a very high policy excess.
Once we have established you have a good claim, we can do everything from getting your car to a repair shop, delivering a loan car to your home/ place of work, and organising any medical treatment you may need, as well as handling your claim for compensation. We will arrange for a free replacement car, if yours is not roadworthy, so that you can get back on the road. We will collect your damaged car, & put it in secure storage, so we can prove that no damage was done after the accident.
A lot of insurers will not supply a courtesy car, if yours is written off- we supply one until you have been paid out, plus a further 7 days. This gives you time to go out and buy a new one.
If your car is still roadworthy, we will arrange an engineer to inspect the damage. The damage report will be sent to the other insurers, & arrangements made for your car to be repaired. Unlike your insurers, we do not have deals with back street repairers. If you want your car repairing at your Main Dealer Approved Repairers, we will arrange thisWhen it goes in for repair, we will arrange a replacement vehicle to use. This will be delivered & collected from your home, so you are not inconvenienced.
Our compensation claims solicitors are experts in this area- they only deal with road accident claims. If the case is disputed, our lawyers will fight to recover your car losses, as part of any injury claim. This includes recovering any policy excess, and pursuing any car claim through court, if required. They will also chase up any police reports, and will fight your claim, all the way to court; if they think you have more than a 50% chance of winning.
All our services are handled from the one location, so we can easily coordinate all aspects of your claim, and you have a single number to call, should you have any queries. If you have been injured, we can arrange physiotherapy & other treatments, at a location and time suitable to you. We will organise a medical report, which will form the basis of your injury compensation claim. This will be done at a time & place convenient to you. Once we have the report, we will negotiate with the other party, to get you maximum compensation.
Even if you are fully comp insured, you may well not be entitled to the help you deserve, when you have a non fault accident claim.
Policy Excess: A lot of insurers will insist you pay your Policy Excess, and hold you at fault, until they get an admission of liability from the other insurer. Even in what may seem clear cut cases (for example someone running in the back of you), we have had clients contact us; because their insurers insist on holding them at fault, until liability is admitted. Even once liability is sorted, you may well not get back any excess charged. Also, a lot of insurers will make deduct the remainder of any premiums due, before paying you out the balance on your claim.
Courtesy Car: A lot of insurers will only supply a replacement car if your car is not a write off; likewise, they often only offer unsuitable replacement cars, instead of a similar model. A high percentage of insurers will take you out of any courtesy car, once they have established your car is a write-off. This leaves you with no car, and waiting to be paid out. If your car is under 5 years old, you are entitled to a like for like replacement. Most insurers will offer a small, and possibly totally unsuitable, replacement, if your car is older than that. In contrast, we will always supply the best car possible; if you need a large saloon, or a people carrier, for example, we will arrange this. We often supply higher grade courtesy cars, than the insurers will pay for. We deliver the car to your home, and pick it up, once no longer needed. If your car is a write-off, we supply you with a replacement until you have been paid out, with a further week’s hire, to enable you run around & find a new one.
Accident Repairs. If your car is still driveable, insurers will expect you to go around getting quotes from accident repair garages. Even worse, they may insist on you having your car accident repairs handled by their own repairers, rather than the main dealer. This can have a severe impact on the resale value of your car. If you drive a newish or quality model car, you need it repairing at Main Dealer Approved Repairers. We arrange an engineer to visit & prepare a damage report, at your home or place of work. We will also arrange for repairs to be made at an Approved Dealer Repairer, or even at your own, selected garage.
Injury Compensation & other uninsured losses. Your insurer will put you in touch with their recommended solicitors, to handle your injury claim. However, they will not recover any Policy Excess, or other expenses. You have no obligation to use them, especially if your insurer is charging you policy excess. You have a 10 day cancellation period, so you can stop the claim, if being charged any policy excess.
In contrast, if you use us, our arrangement with our lawyers is that they must recover all losses, even any policy excess charged by your insurer. If you have already had your car repaired, by your own insurer, you should use us for your compensation claim. We will recover the policy excess; any lost earnings, as well as get you maximum injury compensation. Policy excess, and other losses, falls under the Small Claims Court limit, so it is not possible for anyone to recover legal fees, for handling these. But our lawyers will handle them for free, if they are handling your injury claim.
Similarly, any of the national TV advertised claim companies, will only handle your injury claim- they will not recover Policy Excess, or any other losses. You are far better to use us – we recover everything!
Third Party Insurer Intervention.
Often the third party insurers will offer to sort your claim. Nice idea, but you need to remember they are looking after their interests- NOT yours! We have had numerous complaints, from clients who tell us the other insurer has offered to sort things, but do nothing. Disputes as to the value of damaged cars, whether cars can be repaired at main dealers, & the type of courtesy car offered, are most common.
It seems a number of insurers will call non fault claimants, and then change their minds, or dispute things. If a claim has dragged on for a week or more, this will prevent you getting a courtesy car, and, unless there is an injury claim involved, nobody can recover any legal fees for sorting your claim.
If you do agree to accept third party insurer help, insist on getting written confirmation (an email will suffice) that they accept liability- without this, it’s just empty promises. Obviously never agree to them handling your injury claim! Always bear in mind that they are not being nice guys, but are trying to save money- which generally means it costs you!