What Is Accident Management Service?

Management of an accident is not easy because there are many forms to sign and documents to submit. In addition, the claims process can also be a problem. Managing claims accident alone can take a toll on anyone. This is the reason why many claims company offer their services to car accident victims wherein they will do the work for a fee. There are many benefits of this service to the motorists.

Accident management service covers a lot of things. It includes damage assessment, vehicle repair arrangement and 24-hour vehicle recovery. Under this service, the company will also negotiate with the car insurers, help victims with the paperwork and assist clients process their personal injury claims. Each company may add more services.

Clients should study these services being offered by the company before getting their service. This cost-effective intermediary service being offered to motorists is definitely effective. People can easily find companies which offer such services through the internet. Many companies offer service to the victim of non fault accident. Their service fee is usually high but you do not need to worry though, because the person at fault of the accident will pay.

In the past, companies offer their decentralized services to drivers who are not at fault on the accident. However, many companies these days also offer the same kind of service even to those who are at fault on the car accident. Some of the services being offered are 24 claims help line, vehicle inspection, uninsured loss recovery, 24 hour vehicle recovery service and like for like replacement for non-fault accident claims. Before signing up with a claim company that offers accident management service read their terms and conditions first. This is to avoid any legal problems in the future.

Examples of companies associated with claims companies that offer management services are credit hire companies, credit repair companies and motor insurance claims. Credit hire operators provide replacement vehicles to victims of car accidents. They can also arrange for the repair of the car and recover the cost from the person at fault. These services are offered on credit. Credit repair companies as the name implies will arrange for the repair of the car of the victim in any repair garage approved by the company.

All these services can be enjoyed by motorists who get the services of companies offering them. It is recommended for drivers to use the services of these companies especially if they are not at fault in the car accident as they can save more time and money.

Protect Your No Claims Bonus By Using An Accident Management Company

Obviously the main thrust of the media's interest is all about how this is affecting everybody's ongoing car insurance premiums, but the more human side is very much about the personal tragedies that can occur when things go wrong.

I recently saw a television programme that I occasionally watch called BBC click where they showed that quite a lot of the larger commercial hauliers and blue-chip organisations had started to install front facing cameras with recording facilities built-in to all their vehicles. According to the report, this had saved them huge amounts of yearly insurance premiums but even more importantly proved who is at fault, shortened time in court and ultimately made their drivers safer.

Some of the on-board camera footage included in the report was astounding. At one point a very large articulated lorry was proceeding on the nearside lane of a motorway at least 65 to 70 miles an hour when a beat up old saloon car appeared suddenly from a slip road. When I say appeared suddenly, what I really mean is that it dived in front of the truck with less than 30 cm to spare! This caused the truck to jack-knife and it nearly overturned putting the driver as well as themselves in severe danger. It wasn't clear that this particular piece of footage was what you would call an on purpose accident, but either way the car driver was a complete idiot all the same.

Obviously for the big companies and road haulage firms, installing such devices is a very sound commercial investment, however for the average car driver this isn't really an option.

Now a few months ago I was on my way to a morning meeting when a small lump of clay, about the size of a fist fell off the back of a truck. It bounced along the motorway and because it was very busy and there was a 50 mile an hour variable speed limit in place I had absolutely no way of avoiding this debris hitting my car. If I had tried I would have caused a much larger accident and put myself and other road users in danger. I could literally see it coming at me in slow motion and I just knew it would hit my car which it did and scratched the front nearside wing causing about 200 worth of damage.

I did try to follow the truck off the motorway but it suddenly left via one of those works traffic only slip roads and so I was not able to stop the driver and point out what had happened. I'm sure he was blissfully unaware of the fact that he was losing some of the cargo but there was nothing I could do at that point.

This meant that I had to then contact my own insurance company and give them the only information I had which was the registration. Unfortunately it ended up being a long drawn out six month issue because the driver would not accept any responsibility and so in the end I had to take care of the claim and expense myself.

Now the on purpose car accidents and the clay falling off a truck are just two common problems that happen to drivers up and down the country all the time and the downside is that you end up getting penalized by the insurance company even when it was clearly not your fault. You very often have to pay excess fees, many policies don't offer a free car rental and worst of all your insurance premium goes up because you wind up losing your no claims bonus.

There is however, a remedy which I did not know about until recently which acts as an added insurance to protect against accidents which are not your fault. The way it works is if you are unlucky enough to be in this situation the accident management company will deal with the claim on your behalf and you won't have to lose any no claims bonus, pay excess fees or be faced with higher future payments. Many accident management companies also offer you a free car rental within twenty four hours and if your car is written off you are allowed to keep using the car rental until your paid out. Each company varies slightly in exactly what they have to offer but the points just mentioned seem to be common benefits to this type of insurance