Accident...go through Insurance or Accident Management Company

toofy

Hi, looking some help here - had an accident and if I'd been thinking straight would've claimed through my insurance as I have protected no claims, no other car involved. However one of these accident management companies stepped into the breach when my own insurance felt my car would be written off, and weren't prepared to give me a courtesy car, and they reckoned they could win the case. I am now worried that if they can't/don't win the case, is it possible for me to go back to my insurance to claim the value of the car? ..any help/ thoughts appreciated?

Crazy_Jamie

If there is no other car involved, what are the circumstances of the accident to warrant the possibility that this could be somebody else's fault?

benjaminM

What happend in the accident? Who are the accident management company?

toofy

Would prefer not to go into details at present, just would like to know if it goes tits up, and I am culpable, is it possible to still recover the value of my car from my insurance? I assume if they don't win I would be liable for legal costs, and the cost of the hire car...

mikey72

toofy wrote: »

Would prefer not to go into details at present, just would like to know if it goes tits up, and I am culpable, is it possible to still recover the value of my car from my insurance? I assume if they don't win I would be liable for legal costs, and the cost of the hire car...

I'd send the hire car back today, if you think you will be paying for it.

benjaminM

toofy wrote: »

Would prefer not to go into details at present, just would like to know if it goes tits up, and I am culpable, is it possible to still recover the value of my car from my insurance? I assume if they don't win I would be liable for legal costs, and the cost of the hire car...

Really hard to say without knowing the basic details. . If an accident management company have already given you the car I'd be inclined to contact them and discuss your concerns. Most accident management companies would not take the case on unless they thought they could recover their costs. All these companies operate in different ways. Some of them make you sign waivers that make you liable for costs they are unable to pursue, while others only take cases they know they can win and if it goes, as you say 'tits up' they will take the hit.

lisyloo

I wouldn't go with an accident management company.
Their hire car charges are often large.
Insurers aren't standing for this and you might find (as another recent post) that they have to go to court with the other insurer (this will have to be your name).
Ultimately you will be liable.

Personally I'd look to mitigate costs i.e. make the costs as small as possible without large inconvenience.
Keep records and receipts.
If you can claim it back then all well and good but it you can't you might find you have to pay for it.
As well as being your obligation to mitigate costs for the other side, you should also do it for yourself in case you end up with the bill.

Difficult for anyone to comment further without anuy details.

toofy

It's in very early stages, however I feel they caught me at a vulnerable time, when I was confused about what happened in the accident. On saying that, I'm not at a stage where I think it was my fault, but naturally I'm concerned that if there's any liability on my side I will have to pay them, and I understand that and can accept that, even if it is exorbitant. What I don't want to happen in all of this is to lose everything, so would like to know if it's possible to resume claim through insurance (as I have protected no claims fully comp) to recover value of car if it doesn't go in my favour? The stress/worry of this doubt isn't helping me either...

foggytown

I quote from your first post " . . . no other car involved . . ." In a one car accident, who else could be responsible but you? You may not want to go into details but don't expect any insightful responses when we don't know what you're talking about.

benjaminM

foggytown wrote: »

I quote from your first post " . . . no other car involved . . ." In a one car accident, who else could be responsible but you? You may not want to go into details but don't expect any insightful responses when we don't know what you're talking about.

I'm just guessing, but it could be malicious damage or theft by a known person? If the OP does not want to discuss the circumstances then we have to respect that.

I would suggest to the OP to contact the accident management company and if you are not happy pass the claim over to your insurance company. Even though you have instructed an accident management company your insurer can still take up the claim. If you want your insurer to deal with this incident for you there's a good chance they will.

lisyloo

In a one car accident, who else could be responsible but you?

It could be something to do with the road surface, road signs etc.
For example big hole left without proper signs or warning.

You may not want to go into details but don't expect any insightful responses when we don't know what you're talking about.

Too right.
We respect your privacy but can't help much without the details.