Advice - Accident management company
Discussion
Hi guys,
Looking for some advice to see if this is standard in the way and accident management company deal with things.
Had an accident 3 years ago and my insurer put me onto an accident management company and their solicitor.
The car was damaged and repaired within 2 weeks and the company gave me a hire car.
I thought this was standard practice with all insurance having a hire car while mine was being repaired but later found out it was credit hire.
In May 2012 the AMC called me to say that the 3rd party insurers had accepted liability.
I thought everything had been sorted due to it happening 3 years ago but now have a letter from the AMC saying they need my approval to take the 3rd party to court.
The letter states that I will not be liable for any legal fees but does not mention anything about indemnifying me against car rental fees.
They also need my solicitors address (They should know who it was as it was them who arranged them)
They have also stated that any cheques from personal injury be paid directly to them,
Should I be cautious about the wording or is this standard practice?
Obviously they need their fees back and I don't mind going to court, but at the same time don't want stuck with the car hire fees.
Any ifo would be brilliant.
Looking for some advice to see if this is standard in the way and accident management company deal with things.
Had an accident 3 years ago and my insurer put me onto an accident management company and their solicitor.
The car was damaged and repaired within 2 weeks and the company gave me a hire car.
I thought this was standard practice with all insurance having a hire car while mine was being repaired but later found out it was credit hire.
In May 2012 the AMC called me to say that the 3rd party insurers had accepted liability.
I thought everything had been sorted due to it happening 3 years ago but now have a letter from the AMC saying they need my approval to take the 3rd party to court.
The letter states that I will not be liable for any legal fees but does not mention anything about indemnifying me against car rental fees.
They also need my solicitors address (They should know who it was as it was them who arranged them)
They have also stated that any cheques from personal injury be paid directly to them,
Should I be cautious about the wording or is this standard practice?
Obviously they need their fees back and I don't mind going to court, but at the same time don't want stuck with the car hire fees.
Any ifo would be brilliant.
Cheers guys.
I called them yesterday and they have said that the 3rd party insurers are disputing the total cost of the hire.
I asked if I could be liable for any car hire costs and they stated that in most cases they recover the costs from the 3rd party.
I asked if they could send another letter stating that I will not be liable and she said she could not because its a standard letter.
The wouldn't disclose the amount to me that they were claiming.
cheers
I called them yesterday and they have said that the 3rd party insurers are disputing the total cost of the hire.
I asked if I could be liable for any car hire costs and they stated that in most cases they recover the costs from the 3rd party.
I asked if they could send another letter stating that I will not be liable and she said she could not because its a standard letter.
The wouldn't disclose the amount to me that they were claiming.
cheers
When you are given a hire car, some amcs include a liability waiver, so that in the event of non-payment you aren't liable for the costs.
If you weren't given this option, you'll probably find that you will be responsible for the costs.
The previous posts saying that you should ignore the letters are giving you the wrong advice. You would also have agreed to do whatever is required to assist the amc in recovering their costs.
If you refuse to do this, they can come after you for the money instead.
Tim
If you weren't given this option, you'll probably find that you will be responsible for the costs.
The previous posts saying that you should ignore the letters are giving you the wrong advice. You would also have agreed to do whatever is required to assist the amc in recovering their costs.
If you refuse to do this, they can come after you for the money instead.
Tim
catman said:
When you are given a hire car, some amcs include a liability waiver, so that in the event of non-payment you aren't liable for the costs.
If you weren't given this option, you'll probably find that you will be responsible for the costs.
The previous posts saying that you should ignore the letters are giving you the wrong advice. You would also have agreed to do whatever is required to assist the amc in recovering their costs.
If you refuse to do this, they can come after you for the money instead.
Tim
Hi Tim, thanks for your reply.If you weren't given this option, you'll probably find that you will be responsible for the costs.
The previous posts saying that you should ignore the letters are giving you the wrong advice. You would also have agreed to do whatever is required to assist the amc in recovering their costs.
If you refuse to do this, they can come after you for the money instead.
Tim
I don't intend to ignore their letters as I was given the car and used it and they are entitled to their money back.
I wasn't offered a waiver. TBH at the time I just thought it was standard practice to get a hire car. I later found out that it was a credit hire.
No-one to blame but myself.
cheers
I didnt say to ignore the letters.
More like the TP insurer wont pay the hire costs as they are unreasonable so the AMC is going to issue legal proceedings against them. If this is unsuccessful then you will be liable for the hire costs, hence why they will give you nothing in writing. When you took the hire out you would have signed a contract that said if they couldnt recover it they would look to you to cover the cost. Most credit hire companys use standard rates which insurers agree to however if the length of hire is too long, or class of vehicle unreasonable it maybe why.
Liability may not be in dispute, but the third party insurer can still dispute quantum and hire costs if you or the AMC haven't mitigated your losses (i.e. driving a Ford Focus 1.6 but being given a Ford Mondeo 2.0)
More like the TP insurer wont pay the hire costs as they are unreasonable so the AMC is going to issue legal proceedings against them. If this is unsuccessful then you will be liable for the hire costs, hence why they will give you nothing in writing. When you took the hire out you would have signed a contract that said if they couldnt recover it they would look to you to cover the cost. Most credit hire companys use standard rates which insurers agree to however if the length of hire is too long, or class of vehicle unreasonable it maybe why.
Liability may not be in dispute, but the third party insurer can still dispute quantum and hire costs if you or the AMC haven't mitigated your losses (i.e. driving a Ford Focus 1.6 but being given a Ford Mondeo 2.0)
I had the same situation, but had stipulated that I would only accept the car with a waiver.
The third party's Insurer spent three months arguing over the value of my car (£600) and racked up a total of £6000(!) in hire charges.
They then contested the cost of the hire car. I was informed of this and my agreement to go to court was requested.
In the end, a settlement was reached, so my attendance was unnecessary.
Tim
The third party's Insurer spent three months arguing over the value of my car (£600) and racked up a total of £6000(!) in hire charges.
They then contested the cost of the hire car. I was informed of this and my agreement to go to court was requested.
In the end, a settlement was reached, so my attendance was unnecessary.
Tim
nipsips said:
I didnt say to ignore the letters.
More like the TP insurer wont pay the hire costs as they are unreasonable so the AMC is going to issue legal proceedings against them. If this is unsuccessful then you will be liable for the hire costs, hence why they will give you nothing in writing. When you took the hire out you would have signed a contract that said if they couldnt recover it they would look to you to cover the cost. Most credit hire companys use standard rates which insurers agree to however if the length of hire is too long, or class of vehicle unreasonable it maybe why.
Liability may not be in dispute, but the third party insurer can still dispute quantum and hire costs if you or the AMC haven't mitigated your losses (i.e. driving a Ford Focus 1.6 but being given a Ford Mondeo 2.0)
I have the contract from Hertz here so will have a look at the small print. The contract is unsigned and blank, again will have a better look at all of it.More like the TP insurer wont pay the hire costs as they are unreasonable so the AMC is going to issue legal proceedings against them. If this is unsuccessful then you will be liable for the hire costs, hence why they will give you nothing in writing. When you took the hire out you would have signed a contract that said if they couldnt recover it they would look to you to cover the cost. Most credit hire companys use standard rates which insurers agree to however if the length of hire is too long, or class of vehicle unreasonable it maybe why.
Liability may not be in dispute, but the third party insurer can still dispute quantum and hire costs if you or the AMC haven't mitigated your losses (i.e. driving a Ford Focus 1.6 but being given a Ford Mondeo 2.0)
cheers and thanks for posting
tbh I cant really remember what I signed if anything. Im pretty good at keeping paperwork and cant see any other agreements.
Didn't sign anything online or electronic.
Had a talk with my wife about and she gave her debit card details over the phone but we cant remember what it was for!!!!
Im thinking now it might have been a waiver, so im going to phone them back again in the morning.
Thanks for posting
Didn't sign anything online or electronic.
Had a talk with my wife about and she gave her debit card details over the phone but we cant remember what it was for!!!!
Im thinking now it might have been a waiver, so im going to phone them back again in the morning.
Thanks for posting
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