In Event of Accident/Insurance Claim, who Should Handle It?

BobJohn123

This is something I have wondered for a while and guess you're probably the best folk to answer. I have insurance with motor legal protection. However, I also have AA breakdown and they tell me I have access to their claim handlers. Arnold Clark, where I buy all my cars, also tells me I have access to theirs. Then you have all the 3rd party companies telling you they're the best. Even seen a van with big 'don't pay your excess' advert.

So my question is, who should I actually use in the event of an accident? Last year my mum was run into and we had to contact her insurance. They passed her onto another company to handle the repair, courtesy car, etc, as it wasn't her fault. 

I also ask as I've just brought excess cover (I'm young and it will take me 15 years before I pay more in excess cover than in one claim where I need to pay the excess, so figured it was worth it) but wondering if that was a mistake if some companies will cover it for you (I know it's not free, they'll get the money somewhere).  

born_again

Your Insurance company.

KimJongUn88

born_again said:

Your Insurance company.

They’re not going to provide assistance for a non fault accident where the OP wants to pursue his uninsured losses though are they? They’ll pass him onto an Accident Management Company for a nice back hander.

born_again

KimJongUn88 said:

born_again said:

Your Insurance company.

They’re not going to provide assistance for a non fault accident where the OP wants to pursue his uninsured losses though are they? They’ll pass him onto an Accident Management Company for a nice back hander.

Depends on your level of insurance.

jimbo6977

In the event of a non fault accident you will have uncle Tom Cobley and all vying for 25% of your claim, which prompts some of the potentially interested (=money grabbing) parties to bring themselves to your attention ahead of time. 

Check what contracts you have agreed to, because they will all come after you if they think the cash was rightly theirs rather than someone else's.

[Deleted User]

KimJongUn88 said:

born_again said:

Your Insurance company.

They’re not going to provide assistance for a non fault accident where the OP wants to pursue his uninsured losses though are they? They’ll pass him onto an Accident Management Company for a nice back hander.

Depends on the insurance company you're with - and, obviously the level of cover you choose to include.
I was involved in a non fault claim and my insurance company did, indeed, provide it.

Sandtree

KimJongUn88 said:

born_again said:

Your Insurance company.

They’re not going to provide assistance for a non fault accident where the OP wants to pursue his uninsured losses though are they? They’ll pass him onto an Accident Management Company for a nice back hander.

Yes they will as the OP states they have legal protection aka uninsured loss recovery. They'd still pass details to credit hire if there is no courtesy car on the policy or the OP says a group A car isnt sufficient for their needs etc.


The answer to the question depends on:

1) What you have to claim for? Just car damage? Hire car? Injury?
2) What the TP position is, do they have insurance and is liability or indemnity an issue?

If injury is ignored then often the best option is to claim directly from the third party insurer as there will then be no doubt over if there will be a dispute over hire car costs etc as the TPI will have sorted it out for you.

For injury its more debatable if to go direct or have your own legal representation... if you decide you want legal rep then your MLP providers are your best bet as they wont be taking the 25% that most no win, no fee options do.

Everyone and their mother will offer to assist because credit hire companies give large referral fees and even more if they do credit repairs too.