Few
people have more than one accident every six years which means that most people
are unaware of how to manage the post accident process with the least
inconvenience. At Accident Exchange, we help around 100,000 people a year
navigate their way through the maze. We have set out below the steps you might
expect in your journey with us.
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As soon as possible after your involvement in an accident call us on
08700 116 720
Please have as much information as you can to hand relating to the accident
circumstances and the details of the third party. We need you to let us have
details of the third party vehicle registration, the vehicle make and model,
the insurance company and the insurance policy number together with your
details and the name and address of any witnesses.
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Talk to our experts
We are usually able to establish who was to blame for the accident in a matter
of minutes based on the description you provide. We may occasionally need to
make some further enquiries but these are usually handled rapidly. Even though
most incidents are relatively straight forward, wherever possible, photographs
of the location and damage to your vehicle are very helpful.
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We organise your repairs
We will book your vehicle into your preferred body repair shop so that the
damage can be assessed, and the cost to repair can be established. Your chosen
repair shop may not match the preferred choice of your insurer or the at fault
insurer who might be more focused in arranging a cheaper repair where quality
and the future value of your vehicle may be compromised. We will also discuss
your options regarding the costs of repair to your own car with you.
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We provide you with a replacement vehicle, delivered to you
Where we are satisfied that another identifiable party was at fault for the
accident, we will provide you with a replacement vehicle for the period that
you are deprived of the use of your vehicle. This cost will be recovered from
the insurer of the negligent third party.
The vehicle will be delivered at a time and location convenient for you.
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Insurance Protection
For your added protection and peace of mind, we are able to arrange an
insurance policy on your behalf which (subject to the terms and conditions of
the policy) protects you from having to pay our charges in the event that they
are not recovered from the at fault driver or their insurer. Subject to certain
qualifying criteria, we provide this cover free of charge when you hire a
vehicle from us - we pay the insurance premium on your behalf. We will provide
you with further details of this insurance policy before we deliver a car to
you.
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Establish whether any additional losses are recoverable
If your vehicle is used for commercial purposes, for example a driving
instructor, we will be able to help you establish the recoverability of a loss
of earnings. We will also advise you in respect of a claim for personal injury
or diminution.
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We monitor your vehicle repairs
We regularly assess the progress of repairs to your vehicle and update you as
required.
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You collect your repaired vehicle
Once repairs to your vehicle are complete, we will contact you to arrange a
convenient time for you to collect your vehicle. Please use our vehicle to get
to the repairer to collect yours. You will be asked to sign a repair
satisfaction note by the body repair shop upon collecting your vehicle. We will
then collect our vehicle from the repairer.
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Once you have your vehicle back
We will speak to you to confirm that we have details of every loss you have
suffered as a result of the accident.
We will then send the insurer of the negligent driver a payment pack which will
include details and supporting documentation for all of the losses you have
sustained.
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We reach settlement with the Third Party Insurer on the hire of the vehicle
and any recoverable losses
At this point you will receive reimbursement of your policy excess if you have
had to make such a payment, together with any other losses settled on your
behalf.
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What to do in the event