Vehicle Claims

Vehicle Claims After Non Fault Car Accidents

ACC can assist with vehicle damage claims giving drivers a possible alternative to using your car insurance to for their claim vehicle damage. Depending upon accident circumstances and following suitability checks our services can be provided resulting in drivers not needing to pay any excess. So how is this possible? In the event a UK driver is involved in either a non-fault car accident, or their vehicle is damaged as a result of a correctly insured negligent party, they’re can be entitled to claim directly from the negligent parties insurance. By claiming directly the may be no excess payment is required as no claim is processed via their insurer. Drivers may still be required to report accidents to their insurers and should always check their policy for conformation.

To claim directly drivers simply need to contact ACC or similar service to report the accident or incident. A Tort negligence claim is directed to the liable parties insurance company, with all vehicle and courtesy hire car claims in line with ABI standards and to GTA daily hire rate and protocols. It may also be possible for drivers to claim directly via the negligent drivers insurance company directly themselves. Many insurers have dedicated teams ready to assist the non fault party and this can also offer a good solution.

How Is A Vehicle Claim Processed?

Firstly we access the driver’s immediate requirements, if they require a courtesy car we provide a like for like temporary courtesy car delivered directly to the driver. We then access the drivers damaged vehicle, to do this an independent vehicle engineer is instructed to both access and report upon the damaged vehicle condition and write off / repair status. Once the engineer has produced a detailed vehicle inspection report a copy is sent to the vehicle owner for approval. The key benefit of claiming directly and using an independent engineer when making a vehicle claim is control. The vehicle owner decides who will repair their vehicle, and in the event of a write off the owner agrees to the vehicle write off valuation, non an insurer. As a result vehicle owners can ensure their repairable vehicle is repaired at a manufacturer approved repair centre. And in the event of a write-off, the vehicle total loss claim is accurately valued to help ensure the owner recovers an accurate write off value for their vehicle.

Want To Claim Without Affecting Your Insurance?

If a UK driver wants to make a vehicle claim without using their car insurance policy then claiming directly can be a good solution. If a vehicle owner has their vehicle damaged as a result of a negligent parties actions, they are entitled to claim all related losses directly from the negligent parties insurance company. Tort law and specifically a Tort negligence claim, offers the framework to enable the claim to be progressed. In practice processing, the claim is as simple as accurately quantifying the losses sustain, then presenting the losses directly to the liable insurer for their recovery and settlement. During the vehicle claim process, the vehicle owner may also be entitled to claim for the use of a courtesy hire vehicle until their vehicle damage claim is settled. Our service only deals with vehicle damage claims and temporary vehicle provision claim. Drivers may still be required to report any accident to their insurance company so should always check their responsibilities in their policy. Any claim made, fault or non fault, can effect the drivers insurance policy, one way which may help any effect is to request a letter from the negligent parties insurers stating their insured was fully liable for the accident.

If you need help with processing a vehicle claim following a non-fault car accident, or due to your vehicle being damaged by a correctly insured negligent party, we are ready to assist you. Visit our courtesy car and vehicle claims page or our car accident claims page for further information.

What Can I Claim For?

UK drivers can claim for any losses they have sustained to the actions of the negligent party. The most common vehicle claim types include the following:

• Vehicle Damage
•  Vehicle Repair Vehicle 
• Write Off Value 
• Courtesy Hire Car Service Cost 
• General Losses 
• Property Damage
• Personal Effects