How Best To Claim
Well the best advice I can give you, is contact us first….WE DO NOT CHARGE FOR THIS…and we can guide you too what is the best course of action to take.
When you have an accident or need to make a claim, It can be a very stressful situation and it can be even harder trying to find correct information on how best to claim.
We will run through what your entitlements when you claim through all the different possibilities available.
We will also provide the correct information on how best to claim when another party is involved, whether it is best to go through your own insurer, a claims management company, or through the other parties insurer directly.
refer back to the menu on how is the best way to claim, and the pro’s and con’s to each.
Each case will have it own specific requirements. Your insurance company will always advise that you need to contact them first. This is not the case , they say this to protect themselves in relation to liability( ie , who is at fault).Now whether you are fully comprehensive or not, it may not be in your interest to go through your own insurer if the accident is not your fault. Even though the accident is not your fault, and the other parties insurance admit its their’s, your insurance company may still increase your premium the year after.
click here to see what the Daily Telegraph has to say about this.
It can go up by as much as 30% even though it is not your fault, click here for a Guardian investigation
I would suggest that you always go through the other persons insurance directly if you can, you can arrange this yourself, or alternatively you can benefit from our experience and background, pass our charges on to them.
Once you have decided on the best course of action ,Should you want us to assist you with your claim, we do charge for this ,fee’ s start at £200. For this we will draft all the correspondence in dealing with your insurer, or any ombudsmans service.
For more complex cases, we will charge more due to the time needed, but we will advise prior to any work being carried out how much.
Fully Comprehensive Cover and Want To Claim For Own Damage
If you have an accident that’s your fault, we can still deal with the claim for you. The benefit’s are multifold.
We will ensure that the insurer does what they should do ,treat your fairly and fulfil their obligations ,where you may not be fully conversant with your rights ,and the contract they have with you. WE ARE!
We can make your life less stressfull… it ‘s a pain ringing insurance companies, being on hold, being passed around, not speaking to the same person, speaking to a different countries.
We can negotiate the claim for you click here
We can arrange repairs of your vehicle at your choice of repairer. Click here
We can arrange to have your car to be inspected after repairs, should you not be happy, or even if you are, but want piece of mind! click here this is especially important if you go through the insurers repairer and are not happy.
We can value your vehicle using the guides the industry uses for you , so you have an idea as to the value. click here
Should you not be happy with the value the insurer gives you, I can negotiate on your behalf or take further action. click here
It may well be that your insurer wants to ” total loss” your vehicle, and you want it repaired , we can advise the best options for you.
Cash in lieu of repairs as settlement .click here
Or we can advise you in relation to retaining salvage click here
Or they may have advised you that they are “REPUDIATING YOUR CLAIM” not paying it..click here
We can offer a service individually for all of the above or offer a complete package.
It may also be that you can pass the charge for my services on to your insurer , so its then at no cost to you.
Contact us in relation to this .click here
If the Driver is Uninsured or can’t be Identified:
You can claim on your own insurance if you have comprehensive cover. The Motor Insurers Bureau (MIB) may also be able to settle your claim if the driver is uninsured. This includes cases where the driver has broken their policy conditions.
You won’t be able to claim if you are an injured passenger of an uninsured driver and you knew, or should have known, that they weren’t insured.
To learn about the MIB click here.