Auxillis - Accident Claims Management - Non Fault Claim
Discussion
Had an accident over the weekend. It's non fault and my insurance company are 'advising' me to use Auxillis.
I'm always weary of using such companies and ending up being liable for huge costs of things don't go as planned. There are plenty of horror stories around.
Can anyone advise what the best way forward is? Is it worth me trying to engage with the third parties insurance company?
It will be hugely inconvenient getting a small Corsa as a courtesy car for what will no doubt be weeks on end so I'd really like a decent replacement.
I'm always weary of using such companies and ending up being liable for huge costs of things don't go as planned. There are plenty of horror stories around.
Can anyone advise what the best way forward is? Is it worth me trying to engage with the third parties insurance company?
It will be hugely inconvenient getting a small Corsa as a courtesy car for what will no doubt be weeks on end so I'd really like a decent replacement.
fastbikes76 said:
Deal direct with 3rd party or your insurance, and do NOT take a credit hire car... we are currently fighting a 13k Hire car claim for a non fault claim and the management company dragged their feet making the hire much longer than needed.
Thanks. How do I get the third party insurance companies details? Should I ask my insurance company for their details? I only have the drivers contact details and vehicle registration number.
fastbikes76 said:
Then I would just hand that to your insurance, either way the will have to be told about the claim, so let them earn their annual premium and do the ground work. Last time I went direct with 3rd party’s insurance as they provided it and they couldn’t have been more helpful. This time the idiot who drove into the wife denied responsibility and wouldn’t give insurance details so we went through a claims company... never again !
Thanks. I don't understand why insurance companies don't do the work that claims management companies do and why the latter are not outlawed. Smurfsarepeopletoo said:
Go to Askmid.com and just pay for a check, will give you the details of the insurer, Auxillis are a reputable company, so there shouldnt be any issues with them trying to recover any credit hire charges with you.
And be aware, if you speak to Auxillis and they make you an offer of a replacement hire, then the Third Party Insurers may not offer a hire car if they are an ABI insurer/
Auxillis have sent me a agreement for the hire vehicle at around £380 a day! I'm nervous about agreeing.And be aware, if you speak to Auxillis and they make you an offer of a replacement hire, then the Third Party Insurers may not offer a hire car if they are an ABI insurer/
KungFuPanda said:
You don’t even need to pay for an askmid check. If using a mobile device, the MID have a site where you fill in the details if you’ve been in an accident and it will provide details of the third party insurer.
Auxilis used to be called Helphire. Google the name and you’ll see what a shower of s
t they truly are.
Great, I've just got the details using this service.Auxilis used to be called Helphire. Google the name and you’ll see what a shower of s
t they truly are.Is it the done thing to just call them up and see if they are prepared to handle it?
Smurfsarepeopletoo said:
As long as you have been honest with them about the need for a vehicle, that you dont have another suitable vehicle that you can use, about wether your car is roadworthy or not, then you will be ok.
The ABI GTA states that the first person to make a reasonable offer that is understood and accepted, should be the first to deal.
"The overriding principle for the GTA is that whoever is first to a customer and obtains their agreement should provide the service and all subscribers should not seek to intervene. All subscribers must, therefore, not seek to transfer a customer who has agreed to accept a vehicle into an alternative replacement vehicle."
So if you have already accepted an offer over the phone from Auxillis, then the TPI may not be able to offer you one if they are a ABI insurer.
It wasn't an offer over the phone. On Saturday, they said they couldn't get a car to me over the weekend. This morning, they have sent an email with what seems like a credit agreement.The ABI GTA states that the first person to make a reasonable offer that is understood and accepted, should be the first to deal.
"The overriding principle for the GTA is that whoever is first to a customer and obtains their agreement should provide the service and all subscribers should not seek to intervene. All subscribers must, therefore, not seek to transfer a customer who has agreed to accept a vehicle into an alternative replacement vehicle."
So if you have already accepted an offer over the phone from Auxillis, then the TPI may not be able to offer you one if they are a ABI insurer.
Also, I want the car repaired by a manufactured authorized repairer.
Smurfsarepeopletoo said:
Im assuming you have spoken to them over the phone, gone through the accident details and they have made you aware that they can offer you a similar vehicle to your own, and that you wont be liable for any charges as long as you havent given them any false or misleading information, and that they cant get you a vehicle over the weekend? If so, this is the offer.
Pretty much....Smurfsarepeopletoo said:
What damage is there to your car?
Reasonably bad from end damage. Axle or wheel is damaged and hence cannot drive.shopper150 said:
Smurfsarepeopletoo said:
Im assuming you have spoken to them over the phone, gone through the accident details and they have made you aware that they can offer you a similar vehicle to your own, and that you wont be liable for any charges as long as you havent given them any false or misleading information, and that they cant get you a vehicle over the weekend? If so, this is the offer.
Pretty much....Smurfsarepeopletoo said:
What damage is there to your car?
Reasonably bad from end damage. Axle or wheel is damaged and hence cannot drive.Edited by shopper150 on Monday 7th September 15:08
Smurfsarepeopletoo said:
You can speak to Hastings and see if they are willing to give you a car, but you will need to make them aware of the offer you have had, they will then say wether they can or not, they just may have to agree intervention rates, or they may just tell auxillis to do one and deal with the repairs and provide you with a car.
Or alternatively, just accept the agreement from Auxillis, as long as you have given them the correct info, and by the sounds of things you cant drive your car, then if they delay anything, then that is their issue not yours, just make sure you try and be as helpful as possible when it comes to getting your car back.
Thanks. Do you think I should try and get Admiral (my insurance) and Auxillis to get them to admit liability before proceeding?Or alternatively, just accept the agreement from Auxillis, as long as you have given them the correct info, and by the sounds of things you cant drive your car, then if they delay anything, then that is their issue not yours, just make sure you try and be as helpful as possible when it comes to getting your car back.
I want to minimise the risk of being liable for any charges.
The incident is clear cut, as long as the TP driver doesn't lie.
SydneyBridge said:
What car is it for £380 a day.?
I would call Hastings, check that it has been reported and liability not in dispute first. If admitted, let them deal with everything
It doesn't state what car on the agreement! They said once I agree, then the hire company will let me know what's available. I would call Hastings, check that it has been reported and liability not in dispute first. If admitted, let them deal with everything
We have a Macan
fastbikes76 said:
Not necessarily, our Touareg was written off and we were put in a Audi Q5 replacement at £360 a day. We had no other alternate vehicle available and accident was 100% non fault. 3rd party insurance are refusing to cover hire car cost of 36 days which it took them to accept liability and payout. We have a court date in December where we are fighting a £13k hire car bill on behalf of management company. In their T&C’s they state if they lose the case they ‘may’ chase us for the costs which I’m guessing will be the 13k plus 12 months of legal fees on top !!
This is the type of scenario that I don't want the stress of.buggalugs said:
I had a courtesy car from Auxillis recently, and for a week or two's hire car the bill to the third party's insurance was a shade under £3000. Unsurprisingly the third party is contesting it.
I had no idea they were a claims management company, my insurer put us in touch as I needed a car ASAP for work. They read out war & peace terms and conditions over the phone which I remember none of as I'd just been in an accident, and one of their operatives recently told me that if they can't recover their costs from the third party they could come after me. Nice one. Not.
It's so unethical I'm surprised Government haven't taken any action.I had no idea they were a claims management company, my insurer put us in touch as I needed a car ASAP for work. They read out war & peace terms and conditions over the phone which I remember none of as I'd just been in an accident, and one of their operatives recently told me that if they can't recover their costs from the third party they could come after me. Nice one. Not.
Smurfsarepeopletoo said:
What happened in the Accident?
I was driving along a main road. TP pulled out straight in front of me from a side road. She admitted her error at the roadside, she was very shaken etc.
Smurfsarepeopletoo said:
And Auxillis only have 14 days to treat your car as unroadworthy, so if you wait for the liability, the TPI may argue your need for a hire vehicle.
Oh!! If nothing else, these incidents are such a hassle and drain on time!AJ5641 said:
Turns out this is a common situation for anyone dealing with AMCs. They make their money through outrageous hire car fees. Even though I was protected I was still stressed and it was not a nice experience.
Do you mind if I ask how you were protected?Also, as the policy is in my wife's name, I'm sure she will get ultra stressed
davek_964 said:
When I had a no fault claim a couple of years ago, the TP insurers (Direct Line) contacted me very quickly (about 4 hours later), admitted liability and said they'd deal with it (and offered a like for like car I didn't need). I guess they were keen to avoid me using an accident management company.
Until the 3rd party insurers admit liability, I think you need to act assuming it might not be.
(I notified my insurers of what happened before the 3rd party insurers contacted me. Although it was clearly the other party fault, my insurers told me that since it occurred on a roundabout, it would probably be 50/50 because most accidents on a roundabout went that way).
ETA - read your description of what happened. Many years ago, I pulled out of a side road - it was a bit more complicated than yours, and if I'd had dash cam could have proved I wasn't at fault - but my own insurers attitude was that I'd pulled out of a side road therefore it was my fault. Hopefully the 3rd party insurers think the same
I had a call this morning from another claims management company!!!Until the 3rd party insurers admit liability, I think you need to act assuming it might not be.
(I notified my insurers of what happened before the 3rd party insurers contacted me. Although it was clearly the other party fault, my insurers told me that since it occurred on a roundabout, it would probably be 50/50 because most accidents on a roundabout went that way).
ETA - read your description of what happened. Many years ago, I pulled out of a side road - it was a bit more complicated than yours, and if I'd had dash cam could have proved I wasn't at fault - but my own insurers attitude was that I'd pulled out of a side road therefore it was my fault. Hopefully the 3rd party insurers think the same
Edited by davek_964 on Monday 7th September 15:35
Smurfsarepeopletoo said:
shopper150 said:
I had a call this morning from another claims management company!!!
The other claims management company may have been acting on behalf of the TPI, they may deal with fault accisdents for them.Or maybe just a company chancing it, what was their name?
03333443213
Smurfsarepeopletoo said:
AJ5641 said:
Has he signed the contract with Auxillis or are Auxillis being contracted to deal with it through Admiral?
There is a significant difference if the OP has signed a contract with Auxillis as this means Admiral have absolutely nothing to do with this claim going forward; other than adding the incident to their records.
He has contacted Admiral who have instructed Auxillis to deal, alot of insurers now are using AMC's to deal with non fault claims on their behalf, as its easier and less hassle for them.There is a significant difference if the OP has signed a contract with Auxillis as this means Admiral have absolutely nothing to do with this claim going forward; other than adding the incident to their records.
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