Claim Without Using Or Effecting Your Car Insurance

Car Accident? Claim Without Using Or Affecting Your Car Insurance

If you wish to claim for repairs (or write off cost) to your vehicle after a non-fault car accident you do not have to use your insurance to do so. If the accident was not your fault you can claim for the full accident repair costs (or write off value), plus the use of a courtesy hire car, directly from the at-fault driver’s insurance company. By claiming for the accident repair (or write off value) directly you will not have to pay any vehicle excess or claim upon your vehicle policy.

Why Claiming For A Car Accident Directly Is The Best Option

After a non-fault car accident drivers often claim via their car insurance company without considering the consequences. Drivers are often unaware of their alternative options, and of the benefits of using an independent vehicle claim service.

Non Fault Car Accident Claims – Be Aware

We are regularly asked the question “will my insurance go up if I claim for a non-fault accident” or “will a non-fault accident affect my insurance?”. 

Unfortunately, all too often the answer is yes, yet it need not be. 

Taking the right steps and making the right choices can entirely avoid any negatives repercussions from a non-fault car accident. Discover how to protect your insurance and claim with no cost to you.

Car Accident Damage Claims

When your car is damaged in a non-fault accident, calling your insurance company and instructing them to claim may seen the simple and obvious solution. However, in doing so many drivers later find they have been penalised for a non-fault claim without realising it. This is because when you claim via your car insurance, the insurer will often increase your renewal premium as a result of the claim registered in your claims history. Some 70% of UK insurers increase premiums in these situations. So even though the car accident was not your fault, the claim history change often triggers a direct increase to the renal premium. This practice seems unreasonable and is an all too common occurrence, however, it can be entirely avoided.

Complete Accident Repairs At The Right Garage

In addition to the possible increased insurance costs, drivers can also find their vehicle is going be repaired at the insurance companies favoured car accident repair centre, not yours. Whilst this may be good for the insurance company, it’s not necessarily good for you as the vehicle owner. This is because cars often need to be repaired by manufacturer-approved repair centres, or specialist repair centres for your vehicle type. This can be extremely important for multiple reasons, ranging from simple repair quality standards to the preservation of vehicle manufacturer warranties. This is of especial importance for newer vehicles. There must also be consideration of the vehicles future value as an accident repaired car, this is highlighted with prestige and performance vehicles.

Leased Or Financed Cars

Other problematic situations occur when a vehicle is leased or was purchase through financing. In these instances, the car accident repairs must be carried out to a set standard usually specified within the vehicles funding agreement conditions. In these circumstances, it is extremely common for vehicle leasing-financing companies to stipulate that all vehicle accident repairs must be carried out by a manufacturer-approved, or an appropriate specialist, accident repair centre. By unwittingly not doing so, the owner becomes liable to correct the work at a later date at their expense.

The Solution

Thankfully you can avoid all of these issues by simple claiming directly, it’s your entitlement as the non-fault party in the accident to recover all losses incurred as a direct result of the negligent party. Therefore in the event of a non-fault car accident, the losses claims are presented directly from the at-fault driver’s insurance company. This is done through the use of English ‘Tort Law’.

Car Accident Claim Using Tort Law

A tort, in common law, is a civil wrong that causes a claimant to suffer loss or harm, resulting in legal liability for the person who commits the tortious act. In the event of a non-fault car accident, the resulting claims can be made due to the negligence of the fault driver. The non fault driver can claim for vehicle damage, all resulting financial losses, use of a courtesy hire car of the same standard to that of your vehicle, and many other heads of claim. At ACC, we can process your vehicle damage claim, arrange your repair at a garage of your choice and provide a courtesy hire car throughout.

Claim Directly From The Fault Driver With ACC

At ACC, we claim directly from the at-fault driver’s insurance company in line with your consumer rights under English Tort Law, and our claims are processed ABI standards. As a result, you have no policy excess to pay as you are not using your insurance. And your claims history is not affected as the claim is made directly to the at-fault insurer. Because ACC only acts upon your instruction and in your best interest, you get to stipulate the vehicle repair centre, and we offer further assurance by arranging independent vehicle inspections to ensure your vehicle is repaired to the correct standard. You also receive a ‘like for like’ courtesy car during the vehicle claim process. Our service is provided at no cost to you or your insurance company. If you have been involved in a non-fault car accident contact our team today.

Details Required To Claim Off The At-Fault Drivers Insurance Company

You will require the following details to enable a direct claim to be made against the at-fault insurance company:

• Vehicle Owners Name 
• Vehicle Registration Number
• Vehicle Insurance Details 
• The Accident Circumstances 
• Statement Of Liability

ACC can obtain most details required from the registration number of the at-fault vehicle. With our simple one call service, we can process your vehicle claim directly to the at-fault insurer and provide a courtesy car until your vehicle claim is settled.