Car Accident Clams

Vehicle Claims After Non Fault Car Accidents

Vehicle owners who have their vehicle damaged due to a road traffic accident are entitled to claim. AHC process non-fault vehicle claims at no cost to the vehicle owner or their insurers as we claim directly from the at-fault driver or the negligent parties insurance directly. This means by appointing AHC to process a vehicle claim, the vehicle owner does not have to pay any policy excess and they can protect their no-claims history at the same time (as no claim is made via their policy). So how does the claim process work?

Direct Vehicle Claims

When you appoint AHC to process your vehicle claim, we claim directly from the negligent parties insurance company. By claiming directly we recover all your losses and ensure you retain full control over your vehicle, for example. If your vehicle is repairable, you get to decide upon the repair centre, not an insurance company, and if your vehicle is written off, you not only get to agree its write off value (not an insurance company telling you) but you also get retain the vehicle should you wish to.

How Does The Vehicle Claim Process Work?

All vehicle claims are processed directly against the negligent parties insurance company. Through the use of Tort law, a negligence-based loss claim is directed to the liable parties insurance company. The claim will detail all your incurred losses, these may include your vehicle repairs costs, your vehicle write off value, and your losses including the cost of a temporary hire car if required. The vehicle owner is entitled to claim for any loss they may have sustained as a result of the accident. The AHC vehicle claim service ensures that vehicle owners accurately receive all their entitlements. This also ensures they will avoid incurring a financial loss as a result of an accident that was not their fault.

Claim Without Affecting Your Car Insurance

Often vehicle owners will wish to claim for their losses but are concerned about the potential effect upon their insurance policy. This is a legitimate concern as many vehicles owner discover they end up sustaining a financial loss as a result of a non-fault accident. These losses are often in the form of increased insurance premiums, inaccurate vehicle write-off valuation, repairs not being carried out to manufacturer standards (this can also affect car financing products or the vehicles manufacturer warranties) or having to pay a policy excess to enable their claim. To avoid these issues AHC offers a no-cost alternative claim route to using an insurance company to process the claim.

As previously covered, AHC offer vehicle owners a direct claim service enabling them to claim directly from the negligent parties insurance company, however, this is only half of the story. To full avoid the possibility of a vehicle owner sustaining further financial loss due to an accident, their claim must be processed both accurately and correctly. To achieve this AHC focus upon detail, all vehicle claims are based upon the findings of an independent vehicle engineers report. The engineer’s report is carried out by accredited insurance approved vehicle engineers. Engineers are instructed to access the damaged vehicle in person and accurately value the vehicles damage and establish its pre-accident value. The engineer will not only access the vehicle damage, but consider its pre-accident condition, service history, mileage, and it’s exact specifications. A full market appraisal is carried out establishing the current market values of comparable vehicles. All these factors are then combined to attain a market value. The detailed report is then compiled and presented to the vehicle owner for their consideration and approval. Once the report is agreed upon by the vehicle owner, it’s considered professional court standard evidence and the report is presented to the third party insurers enabling them to arrange settlement in accordance with the findings of the report.

Repairable vehicle claims

For repairable vehicle claims, we not only authorise the repairs to a garage of the vehicle owners choosing, but we also assess the future market value of the vehicle to ensure the owner will not sustain a further loss upon the sale of the vehicle. The potential loss in vehicle value due to being an accident repaired vehicle is address through a vehicle diminution assessment. Should the assessment find there to be a loss, the predicted loss value is calculated by an independent vehicle assessor. The agreed vehicle loss value is recovered through the processing of a vehicle diminution claim.

Need Our Help?

If you require any assistance with a vehicle claim after a non fault car accident contact AHC for assistance today.