Road Traffic Accident Management – FAQ’s
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Below is a list of our most generally asked questions. Just click on the question link and the answer will appear. If you can’t find the answers your looking for then please feel free to contact us. call 0300 303 3833
What is accident management?
Accident Management is the centralized handling of a motorist’s claim following a road traffic collision. It is a cost-effective intermediary service that assists drivers in getting back on the road quickly and relieves the stresses of going through the claims process alone. Whilst it is significantly more cost-effective for the innocent motorist, the service does cost slightly more as a result – a cost borne by the insurer of the ‘at-fault’ driver.
The term “accident management” encompasses a whole host of services; which may include 24-hour vehicle recovery, damage assessment, replacement car provision, arrangement of vehicle repairs, liaising with insurers, uninsured loss recovery, personal injury assistance and help with paperwork.
It is a particularly useful service for vehicle fleet operators, who need to keep downtime to a minimum. An outsourced accident management service can save managers time and administration costs.
Accident Management in the UK
The accident management industry came about in the 1980s to address the problem of innocent motorists having to pay upfront for a replacement car after a collision, and wait weeks or even months to be reimbursed by the at-fault party’s insurer.
The service quickly proved popular with non-fault drivers, who were not getting this service from their insurer.
In the years that followed there were legal challenges by insurers on issues including costs, validity of claims and adherence to existing law. Now the rates insurers are willing to pay are set out in the General Terms of Agreement issued by the Association of British Insurers.
Accident management companies obtain their work from a range of sources, including motorists, breakdown companies, Bodyshops, insurance brokers, fleet managers and dealerships.
The reputation of the accident management industry has been damaged in recent years by the competitive ambulance chasing tactics adopted by some firms to capture motorists’ personal injury claims.
Many accident management companies deal only with non-fault motorists but recently the industry has started to see the emergence of fresh customer-friendly firms which assist all drivers, regardless of fault, and help independent bodyshops to access more direct repair work. Today there are over 34 million vehicles on Britain’s roads and over 43 million licensed drivers.
Please Note: The content in this section and the above was taken from “wikipedia” the Worlds Factually Recognised Website for Non-Biased Information. They cover all the features involved in a Non-Fault Accident Management Package so please take the time to view as Free Factual Knowledge can be very beneficial. Read the full article here
I am insured so why should I use an accident management company?
This is the most common question and one I would have asked myself. Consumers assume that because they have paid for an insurance policy every eventuality will be taken care of and in their best interests. This is not the case.
When an accident is our fault we know we are going to pay the excess, we know our no claims bonus is history and we are ok about this because it’s better than the financial alternative especially if the accident is a bad one.
The issue here is do we want to lose our no claims bonus and pay our excess if the accident is not our fault? The answer to that is NO. The problem however is that we do end up losing our No Claims and paying our Excess along with a lot of other things that should not happen.
We are fobbed off from the moment we make the call something that will not happen if you enlist the services of a reputable Accident Management Company.
Why have I not heard of accident management before?
I’m sure you have heard the phrase “ignorance is bliss” well that’s a phrase that could be applied here. Accident Management is not something you would know about unless you went looking for it. If you did go looking for it then you would by default come across all the horror stories written by folk who have previously suffered at the hand of their insurance companies.
Consumers that have been treated unfairly in the past actively go looking for a good Accident Management Company, as they do not want a repeat of the experience they last had with their insurance company.
The TV and Radio is full of adverts offering you an advance on your so-called claim. These are Solicitors not Accident Management Companies it’s important that you don’t confuse the two.
RTR UK Limited is an appointed representative of Your Company Matters Limited, which is authorised by the Financial Conduct Authority (FCA), Ref 591949. RTR UK Limited is registered in England and Wales, Company No 05174365, Registered Address: The Church, Housley Park, Chapeltown, Sheffield, S35 2UE