Auxillis - Accident Claims Management - Non Fault Claim

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Smurfsarepeopletoo said:

Chrisgr31 said:

It might be easier for them but its not easier for those who are paying the premiums!

How much do the AMCs pay the insurance companies to get their business?

Can you also let us know what you do for a living?

I used to work for an AMC, luckily it was a reputable company and they would not look to recover the costs from the client, although this was built into the contract just in case.

But just to put the hire costs into perspective, to insure their fleet was 7 million a year, they had a high number of hire vehicles stolen every year, some through people making fraudulent claims, they have probably 20 - 30 people crash their vehicles a week, plus all of the other overheads.

And the only reason that AMC's are around is because a large percentage of people cant make do with a small courtesy car to replace theirs, and also bodyshops will tend to only keep a couple of courtesy cars.

So the only other option is for the insurers to provide you with a car through someone like enterprise, but they would still have to recover those costs, and then you have the extra issue of Enterprise then charging £1200 for a small amount of damage to the hire, unless you decide to pay £10 a day for CDW.

That’s very interesting. We all large insurance premiums. Why don’t our insurance companies use the same ‘laws’ or mechanisms to recover money from third parties in the same way as these accident management companies?

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Smurfsarepeopletoo said:

shopper150 said:

That’s very interesting. We all large insurance premiums. Why don’t our insurance companies use the same ‘laws’ or mechanisms to recover money from third parties in the same way as these accident management companies?

Because then they would need to have a fleet of vehicles, pay people to maintain and clean them, deliver and collect them, they would then need to go through all of the details of making sure someone is entitled to one, then they have to employ people to deal with those claims, as well as deal with the recovery of those claims, and because your limited to what you can recover, and repair turnaround times, you have to have someone chasing for liability every couple of days, and chasing repairers, and witnesses, as well as all of the other associated costs, and there is no point if you can just pay a company to do it for you that already has the infastructure.

Or they could simply pay a hire car company (e.g. Enterprise)

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I've received a letter in the post today (signed for) from Hastings offering me a free replacement vehicle of various types etc. The costs are much lower. They are saying that I can get a car from them even if I have already organised a car from a AMC etc.
They are also saying that I need to show this letter immediately to my legal representative, insurer, claims management company and company organising the hire car.

Any advice on how I should proceed?
I just signed Auxillis documents today, the hire car is due to be picked up tomorrow and my vehicle is being picked up for repair tomorrow too...

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Durzel said:

It seems like you're ignoring everything anyone says on here anyway, since you've gone from being wary of AMCs to signing a contract to use one.

So what's the point of anyone actually saying anything different?

I may not have followed any advice given by you, but I feel well informed and going in with my eyes open thanks to the input on this thread.

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AJ5641 said:

I would cancel the hire car and contract with AMC as soon as possible. Engage with Hastings and work with them; they will be looking to get things sorted ASAP for you as it saves them money. If you proceed with the AMC then you're going to be going to court to defend their rates in a years time. It won't look good if it transpires this conversation with Hastings is brought up and imagine the AMC will leave you high and dry with a big bill.

Edit: Just saw that they sent you a letter to show the AMC. I bet that is basically saying that they will refuse to pay the bill as they have offered a cheaper reasonable alternative. Show this to the AMC and cancel the contract.

This is what I’m thinking too. I think Auxillis contracts have 14 days cancellation.

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Durzel said:

It’s more a curiosity than anything. Your opening post talks about being wary of AMCs, and hearing horror stories, and more than one person chimed in with strong negative experiences of this AMC specifically, yet here we are with you having signed a contract (?) to use them, and are now trying (maybe?) to get out of it?

Are you in the habit of signing contracts that you are wary of and are uncertain about being bound by?

More than one person also said it's likely to be fine. There is also the policy that protects me from the costs as long as I've told the truth etc. On balance, it appears as though for most people it's fine to use a AMC for a non fault claim and it seem more than common practice now. My personal opinion is that my insurance company should be offering all the service of a AMC, but it seems not be be the case.

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It looks like my 'claim' has all gone through smoothly.

Does anyone know if this 'claim' needs to be declared as a previous claim when renewing insurance policies?