The Mrs accident advice please

nightmare99 · 30 Jul 2015 at 09:38

Hi Motors,

My Mrs has just been hit/sideswiped by an old dear driving the wrong way up a junction, its 100% the other drivers fault so am I correct in thinking she needs to use an accident management company and just inform her insurance that she has been involved in a non fault accident?

Who is a good accident management company to use?

She's gutted she only got the car last year but the main thing is that she is ok.

NoNameNoNumber · 30 Jul 2015 at 09:40

My mrs has just been involved in similar... She told her insurance company and they sorted it all

nightmare99 · 30 Jul 2015 at 09:58

I had seen people on here advise not to use their own insurance and use a management company that's what made me wonder, its a Clio less than a year old I think I will just get her to call the Renault accident support line as they do accident management unless there is a better suggestion.

Phemo · 30 Jul 2015 at 10:21

I always thought the thing to do in this situation was to call the other person's insurance company and get them to deal with everything. Only call your own insurance company to inform them there has been a non-fault accident and that the other party's insurance is dealing with it.

Burnsy2023 · 30 Jul 2015 at 10:29

Phemo said:
I always thought the thing to do in this situation was to call the other person's insurance company and get them to deal with everything. Only call your own insurance company to inform them there has been a non-fault accident and that the other party's insurance is dealing with it.

This. There's no need to call an accident management company. Their insurers should sort everything you need.

nightmare99 · 30 Jul 2015 at 10:34

Ok thanks I will get her to call their insurers directly. I can't believe this old dear drove the wrong way down one of the biggest junctions in Portsmouth, the Mrs had to take evasive action as she would say.

Maundie · 30 Jul 2015 at 11:31

She will still have to inform her insurance that she has been involved in an accident irrespective of it being a non fault accident.

Just ring her insurance company and let them have the old dears details and they will do the rest.

Burnsy2023 · 30 Jul 2015 at 11:37

Maundie said:
She will still have to inform her insurance that she has been involved in an accident irrespective of it being a non fault accident.

Just ring her insurance company and let them have the old dears details and they will do the rest.

I would advise against that as it will go down as a fault claim until they agree between themselves that this is indeed non-fault. It just adds more confusion than it's worth. Deal with the third parties insurance company and just inform yours that it's happened and that you don't want them to do anything.

snapdragon69 · 30 Jul 2015 at 11:47

Burnsy2023 said:
I would advise against that as it will go down as a fault claim

+1
Based of decades of experience, and benefits/consequences analysis.

nightmare99 · 30 Jul 2015 at 11:51

Thanks guys, I will have to tread carefully that car is her pride and joy

Havana_UK · 30 Jul 2015 at 12:25

Sadly it's down to your insurance company to decide whether the accident is "non-fault" or not, but in practice all you need to do is ensure that you've got the other person's details, any information for witnesses to support your version of events and inform your insurance company then speak with the other party's insurers as Burnsey has advised.

junior · 30 Jul 2015 at 14:43

Burnsy2023 said:
I would advise against that as it will go down as a fault claim until they agree between themselves that this is indeed non-fault. It just adds more confusion than it's worth. Deal with the third parties insurance company and just inform yours that it's happened and that you don't want them to do anything.

This, deal with third parties insurance co, when my sister had a accident, the third parties insurance called up in the evening and dealt with it over the phone, accepted the fault and dealt with the repairs and after calls, didnt had to call our own insurance co.

Bearing in mind this only went ahead as the third party reported it and obviously in discussion accepted the fault with out further investigation, again will depend on the circumstance's of the accident itself.

nightmare99 · 30 Jul 2015 at 16:05

Well she just rang the third party's insurance company (Churchill) and they fobbed her off and pushed her to go through her own insurance, is this correct?

bJN · 30 Jul 2015 at 18:42

nightmare99 said:
Well she just rang the third party's insurance company (Churchill) and they fobbed her off and pushed her to go through her own insurance, is this correct?

Tell them to sod off and deal with it. Their client hit you (read as your wife), it's their problem to sort.

Dav4 · 30 Jul 2015 at 18:47

AMC all the way. If u go through other party's insurance there just going to repair it at the cheapest possible rate which I wouldn't want on a 1yr old car as it could well be a crap job. Also AMC's get things sorted at a far faster rate!

Finglonga · 31 Jul 2015 at 11:00

The wife was hit by a Transit a few years ago and we used BMW's accident management service. She had a courtesy car same day as the accident (Sunday) and her car was taken away and fixed on the Monday and back the following week. Saves the hassle of trying to get the other parties insurance to start doing something and I would use a management service again without hesitation for a non fault accident.

Havana_UK · 31 Jul 2015 at 11:07

Dav4 said:
AMC all the way. If u go through other party's insurance there just going to repair it at the cheapest possible rate which I wouldn't want on a 1yr old car as it could well be a crap job. Also AMC's get things sorted at a far faster rate!

So much scepticism!

This is not the case, and EVERYONE pays more for their insurance because of these parasitic accident management companies. I would only use one if you start to get messed about by the other insurer, and normally just the mention of accident management company is enough to get them to play ball.

I was hit by another driver in my 2 week old car, he accepted fault, I advised my insurance company but dealt with his. My insurer tried to push me to an AMC, but I explained to the other party's insurer that I was against the principal of this sort of thing and preferred not to go down this route. They were, of course, appreciative of this and gave me a higher spec hire car in return as a goodwill gesture.

You can choose where you have the car repaired. It's your choice, not the insurance company's choice. They will, of course, have their preferred repairers, but not once have I had any insurance company refuse to allow me to have a car repaired at my choice of bodyshop. Occasionally they may want to send out one of their assessors to vet the bodyshop before they OK it, but that's all.

Dav4 · 31 Jul 2015 at 17:05

Havana_UK said:
So much scepticism!

This is not the case, and EVERYONE pays more for their insurance because of these parasitic accident management companies.

Not really if the insurance companies did there job properly in the first place that we pay them silly amounts of money for then people wouldn't be swayed to use other companies. When a woman driving her friends car "that she was not insured on" crashed into the back of me then got the car repaired and made up a big fake story about being in work that day and it cant possibly be her car i was faced with a nightmare scenario.
In the 3 weeks it took her insurers to ring me the AMC got my car repaired to an excellent standard and sorted a hire car to be waiting when i dropped my car in for repair all done and fixed in just over a week. Then they chased up the fact there was cctv in the area and threatened court action its funny how soon she changed her mind and admitted it.
do u think my insurance company would have acted that fast? No it would have been thrown onto a pile of other claims and probably would have taken 12 months to sort the whole mess out.
AMC all the way for me.

mattyprice4004 · 1 Aug 2015 at 01:01

I used EasiDrive twice, no idea if they're still going or not, but they were excellent for me.
Sorted everything no fuss.