I've been involved in a non-fault accident. Should I use the other party's insurer's 'Accident Assistance' service?
I have been involved in an accident which has left my vehicle badly damaged, but usable. The other party (farm tractor and trailer) suffered no damage, but his trailer caught my rear driver's side wheel arch as he passed me on a narrow road. I was stationary (to let him pass) and he was travelling at an excessive speed considering the road type. I have all his insurance details. The local main dealer for my vehicle has offered me their 'Accident Assistance' service which will manage the claim for me and provide a replacement vehicle of a similar type while the repairs are carried out at a central specialist repair facility. Does this sound like the best route to take, or will I be at a disadvantage not contacting my insurer directly?
Asked on 6 September 2010 by Summerland
Answered by
Lucy
The main dealer is probably looking to be paid a very substantial commission for putting you on to their "accident assistance" service. The replacement vehicle will be a credit hire for which you can be lumbered with the bill, if either the hire or the repair are delayed, which may occur by your "accident assistance" person acting in cahoots with the credit hire company and the repairer - see this thread: www.honestjohn.co.uk/forum/post/index.htm?t=71320
However, your insurer is likely to be slow and if there is any dispute over liability they may not fight your corner. My motor legal team can handle this on your behalf including fighting your corner on any legal issues. We will arrange the repairs and a replacement car with a cast-iron guarantee you will not be charged in any way for our services for a non-fault claim such as this. I need a telephone number where we can reach you so we can take some brief details of what occurred. Please come back to me at your earliest convenience.
However, your insurer is likely to be slow and if there is any dispute over liability they may not fight your corner. My motor legal team can handle this on your behalf including fighting your corner on any legal issues. We will arrange the repairs and a replacement car with a cast-iron guarantee you will not be charged in any way for our services for a non-fault claim such as this. I need a telephone number where we can reach you so we can take some brief details of what occurred. Please come back to me at your earliest convenience.
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