Courtesy Car & Vehicle Repair

Who Pays For The Accident Repairs?

We claim all repair costs directly from the at-fault driver’s insurance company at standard ABI rates. Alternatively we will request the negligent drivers insurance company to provide direct repair authority to your chosen repair centre.  You do not have to pay any excess as we do not involve, or claim via, your insurance policy. Therefore our service is provided at no cost to your insurance. This is because under a UK law known as ‘Tort Law’, the at-fault driver’s insurance company are responsible to cover the cost of your losses incurred as a result of their insured liability. This includes accident related vehicle damage and the cost of suitable temporary courtesy / hire vehicle during the period of the repair.

Car Accident Repair Claim Without Using Your Car Insurance

If you wish to claim for repairs 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, plus the use of a courtesy hire car, directly from the at-fault driver’s insurance company. By claiming directly for the accident repair you will not have to pay any vehicle excess or claim upon your vehicle policy. Vehicle damage claims for repairs can be processed using an independent company like ACC, or you may contact the negligent drivers insurance company directly.

Why Claiming Car Accident Repairs Directly Is A Good Option

After a non-fault car accident drivers often claim via their car insurance company without considering the consequences of the alternatives available. Drivers are often unaware of their options and of the benefits of using an independent car accident repair claim service like ACC. 

When your car is damaged in a non-fault accident calling the insurance company and instructing them to claim may appear the simplest solution. In doing so drivers often later find they have been penalised for a non-fault claim without realising it at the time. This is because when you claim via your car insurance, the insurer may increases the premium upon renewal. Even though the car accident was not your fault, the claim history change often triggers an increase in the renal premium. This practice often seems unreasonable, however, thankfully it can be possible to avoided it. This does not mean to say that all accidents and vehicle claims should not be report to an insurer, for clarification on this it is recommended to always consult your vehicle insurance policy.

Ensure Accident Repairs Are Carried Out By A Suitable Garage

Vehicle repairs are often carried out at the insurance companies chosen car accident repair centres, not yours. Whilst this may be good for the insurance company, for multiple reasons it’s not necessarily good for you as the vehicle owner. This is because often cars need to be repaired by manufacturer-approved repair centres, or specialist repair centres for your vehicle type. This can be important for multiple reasons, from basic vehicle accident repair quality standards to the preservation of vehicle manufacturer warranties, especially in the case of newer vehicles. Then there is the issue of the vehicles future value as an accident repaired vehicle, this can have a dramatic effect upon prestige and performance vehicles for example.

Accident Repairs For Leased And Financed Vehicles

Other problematic situations occur when a vehicle is leased or was purchase through financing. In these instances, car accident repairs often must be carried out to a set standard. 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. If this is not done the owner can becomes liable to correct the work at a later date and at their expense. Always check your vehicle repair responsibilities stated in any agreement held on the vehicle.

Thankfully you can avoid such issues by simple claiming for vehicle repair with ACC, we claim directly from the fault insurer in line with ABI standards. We give you to option to select the repair centre, this enables you to ensure you select a repair centre which meets your requirements.

Claim Car Accident Repairs With ACC

At ACC, we claim directly from the at-fault driver’s insurance company to ABI standards. As a result, you have no policy excess to pay as your insurers are not required to process the claim. The claim is made directly to the at-fault driver’s insurance in line with your entitlement as the non-fault party. Because ACC only act upon your instruction and in your best interest, you get to stipulate the vehicle repair centre. We offer further assurance by arranging independent vehicle inspections to ensure your vehicle is repaired to the correct standard, a loss of vehicle value assessment is also carried out. We also provide a ‘like for like’ courtesy vehicle. Our service is provided at no cost to your insurance company as the claim is process directly with the fault insurers. If you have been involved in a non-fault car accident contact our team today. Courtesy car / hire car and car accident repairs experts.