Just been rear ended - use Accident Management Company?
Discussion
Just had someone go into the back of me at a junction. Boot is caved in, rear bumper split and crumpled, and offside wheel arch pushed into tyre so rubbing.
I did not want to drive it back due to the rubbing, and a local body shop took it back to his house overnight before being transported to the body shop in the morning.
The guy who hit me was insured as a company car so no problems there, and a witness gave me his details and I have photos.
The man from the body shop advised the use of an AMC, but ~ I have heard bad things especially regarding hire cars - any advice?
Also any general advice? I am off on holiday tomorrow for a week so not around to deal with this, very frustrating.
I did not want to drive it back due to the rubbing, and a local body shop took it back to his house overnight before being transported to the body shop in the morning.
The guy who hit me was insured as a company car so no problems there, and a witness gave me his details and I have photos.
The man from the body shop advised the use of an AMC, but ~ I have heard bad things especially regarding hire cars - any advice?
Also any general advice? I am off on holiday tomorrow for a week so not around to deal with this, very frustrating.
Similar thing happened to us.
I called the other parties insurance company, and they bent over backwards to sort things to prevent the use of an accident management co - as it saves them money.
With an AMC you will sign a credit agreement whereby if the other parties insurance company does not agree to the accident management companies hire car charges that you will pay the difference.
By dealing with the other parties insurance we had a BMW 5 series waiting at the bodyshop when we dropped out car off, and we dropped it back a week later, picking up our fixed car.
No money changed hands from us at any point, neither did we sign our lives away in a credit agreement.
I called the other parties insurance company, and they bent over backwards to sort things to prevent the use of an accident management co - as it saves them money.
With an AMC you will sign a credit agreement whereby if the other parties insurance company does not agree to the accident management companies hire car charges that you will pay the difference.
By dealing with the other parties insurance we had a BMW 5 series waiting at the bodyshop when we dropped out car off, and we dropped it back a week later, picking up our fixed car.
No money changed hands from us at any point, neither did we sign our lives away in a credit agreement.
If - IF the 3rd party admits liability and everything else is straightforward then speak direct to his insurance company. Not yours. They will save so much money through NOT having an AMC involved that they will bend over backwards to accommodate you.
Seriously. Been there myself. I stated exactly what I wanted done, by who, and what I needed in the interim and they couldn't have delivered more swiftly. Probably saved them 50%
Seriously. Been there myself. I stated exactly what I wanted done, by who, and what I needed in the interim and they couldn't have delivered more swiftly. Probably saved them 50%
JustinP1 said:
With an AMC you will sign a credit agreement whereby if the other parties insurance company does not agree to the accident management companies hire car charges that you will pay the difference.
That depends on the agreement, I've seen them where they indemnify you against any charges by running a separate insurance policy to cover any shortfall by the other parties insurance company (an insurance policy they not you pay for). Check the T&Cs for the credit agreement offered.
robinessex said:
Don't forget to engage a 'compensation lawyer' and sue the third pary for, er, lets say, a nice round £100,000. Pulled a ligament on your little finger, and now you can't pick your nose properly.
This was never the plan, if no injury was sustained none will be claimed for. Also I think I should be able to get by without a hire car so will try and do (lifts or cycle to work).I just wanted information on what the disadvantages of AMC are before the body shop try and pressure me into it, no doubt receiving payment themselves.
What is the best way to approach the fact that I am away for a week from early tomorrow, can my parents deal with my and the third party insurers on my behalf?
CAPP0 said:
If - IF the 3rd party admits liability and everything else is straightforward then speak direct to his insurance company. Not yours. They will save so much money through NOT having an AMC involved that they will bend over backwards to accommodate you.
Seriously. Been there myself. I stated exactly what I wanted done, by who, and what I needed in the interim and they couldn't have delivered more swiftly. Probably saved them 50%
Agree 100%, my son was hit and the third party insurance did it all no probs ... your only possible gripe will be where to take it for repair ..Seriously. Been there myself. I stated exactly what I wanted done, by who, and what I needed in the interim and they couldn't have delivered more swiftly. Probably saved them 50%
LoonR1 said:
Andyuk911 said:
Agree 100%, my son was hit and the third party insurance did it all no probs ... your only possible gripe will be where to take it for repair ..
Why? I specifically let the TP choose where they want to go. No matter what cost, it's cheaper than Credit Repair. The insurance co told me before I'd even bought it up that it would be my choice of repairer. As it happened there was only one approved repairer in the county. I forwarded them an email quote, and it was approved 24 hours later.
JustinP1 said:
LoonR1 said:
Andyuk911 said:
Agree 100%, my son was hit and the third party insurance did it all no probs ... your only possible gripe will be where to take it for repair ..
Why? I specifically let the TP choose where they want to go. No matter what cost, it's cheaper than Credit Repair. The insurance co told me before I'd even bought it up that it would be my choice of repairer. As it happened there was only one approved repairer in the county. I forwarded them an email quote, and it was approved 24 hours later.
Flippin' Kipper said:
What is the best way to approach the fact that I am away for a week from early tomorrow, can my parents deal with my and the third party insurers on my behalf?
If the other party has insurance, is legit and is admitting liability then I'd call his insurance company and explain the situation. The week on holiday will give them a week to get their act together, find a decent hire car for you and book your place into a repair shop of your choosing. If you need transport between now and your going on hols then ask what they can do to help you. If it's a case of a cab to the airport then they may well be happy to pay for that as well.
Ask your questions of the insurance company, not of us, and DON'T use an AMC if there is no good reason to do so.
Oli.
I wouldn't use an AMC again.
After someone hit me head on and totalled by BMW estate, my insurance company put me onto 'their' AMC and yes, they supplied a car pretty damn quick. However, in replacement of my £10k BMW I received a £40k Range Rover.
It was a rental agreement at a rediculous rate but I signed anyway, however, I emailed the company stating that the FFRR was over the top and all I needed was an estate of some kind (like for like). They replied saying they didn't have any and don't worry.
Fast forward a few months and it starts to get a bit messy when the other insurance Co start querying the bill of the hire car and that I'd be liable for the excessive fees. Luckily, I'd kept my emails stating I'd be happy with a basic estate! They backed off after see them.
If I'm in the same situation again I'll be borrowing a car off a mate if necessary - far too stressful for me
After someone hit me head on and totalled by BMW estate, my insurance company put me onto 'their' AMC and yes, they supplied a car pretty damn quick. However, in replacement of my £10k BMW I received a £40k Range Rover.
It was a rental agreement at a rediculous rate but I signed anyway, however, I emailed the company stating that the FFRR was over the top and all I needed was an estate of some kind (like for like). They replied saying they didn't have any and don't worry.
Fast forward a few months and it starts to get a bit messy when the other insurance Co start querying the bill of the hire car and that I'd be liable for the excessive fees. Luckily, I'd kept my emails stating I'd be happy with a basic estate! They backed off after see them.
If I'm in the same situation again I'll be borrowing a car off a mate if necessary - far too stressful for me
It bears repeating since even some posters here who've been through the process don't understand it.
The starting point for credit hire is a contract between you and the hire company for which you are personally responsible. Even if liability is not an issue that doesn't mean you can recover for that car, for that period, at that rate etc.
However the hire company may well offer bluff and blunder, a nod and a wink, a verbal promise, a side agreement or even a separate policy to protect you from ever having to pay any of the hire charges IF you co-operate with their efforts to get all / as much as they can from the at fault drivers insurance.
The rub is of course that you cannot declare the side agreement or whatever as that would show it for what it really is, an absolute sham and fraud.
Co-operating with their efforts to recover the hire charges may require a court claim. This will involve you as the Claimant and you will likely need to sign a statement setting out why you did what you did and your understanding of the contract but without mentioning the side agreement or whatever.
There are very few situations where someone who has credit hired can ever lookdown on whiplash sufferers/ compo culture etc or common criminals
The starting point for credit hire is a contract between you and the hire company for which you are personally responsible. Even if liability is not an issue that doesn't mean you can recover for that car, for that period, at that rate etc.
However the hire company may well offer bluff and blunder, a nod and a wink, a verbal promise, a side agreement or even a separate policy to protect you from ever having to pay any of the hire charges IF you co-operate with their efforts to get all / as much as they can from the at fault drivers insurance.
The rub is of course that you cannot declare the side agreement or whatever as that would show it for what it really is, an absolute sham and fraud.
Co-operating with their efforts to recover the hire charges may require a court claim. This will involve you as the Claimant and you will likely need to sign a statement setting out why you did what you did and your understanding of the contract but without mentioning the side agreement or whatever.
There are very few situations where someone who has credit hired can ever lookdown on whiplash sufferers/ compo culture etc or common criminals
I would never use a Accident Management Company again.
make you insurance deal with it.
I had Albany assistance on behalf of A-Plan when my 107 got wrote, they and the guys insurers who crashed in to my car dragged their feet, I had a hire car from Albany and paid for by the guys insurance, was extremely daily high rate.
I remain convinced this is what got my car wrote off, not the damage.
make you insurance deal with it.
I had Albany assistance on behalf of A-Plan when my 107 got wrote, they and the guys insurers who crashed in to my car dragged their feet, I had a hire car from Albany and paid for by the guys insurance, was extremely daily high rate.
I remain convinced this is what got my car wrote off, not the damage.
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