People get into car accidents all the time which is a sad truism but if this ever ends up being you then you'll need to make out an accident claim and take several other points into consideration.
It's not just about filling out the forms to state what happened because you will also need to arrange to have your car fixed and if you suffered an injury during the crash, then forms will have to be submitted to put forward a personal injury claim. You will also need to make arrangements to get a car replacement while your car is away being fixed or if it was a write-off you will have to sort out some longer term arrangement. All this can really add to the nightmare of having being in a car accident. There is however a quick solution to all your problems in the form of what's known as an accident management company.
What an accident management company does is handle the whole car accident aftermath for you by offering a whole range of services. For a start they will usually provide a car within 24 hours so you aren't left stranded. Now you may be thinking that this is all well and good but your own insurance company offers this service anyway. The difference is though that an accident management company will also take your damaged car away and fix it for you without you having to worry about a thing.
This is something most standard car insurance companies don't do. If you're unlucky enough to have your car written off some accident management companies will let you keep the car rental right up until you get paid out by the insurance company which is an added bonus.
Another great benefit is the fact that they will also take over the whole claim process for you and deal directly with the other party's insurance which means that you won't have to pay for any excess fees to your own insurance company and your no claims bonus will remain intact so there is no loss there either. You will know doubt know that a loss in your no claims bonus can have a dramatic effect on future car insurance quotes so this is a great benefit for those that decide to use an accident management company instead.
It's worth mentioning that some companies do in fact have a stringent chasing up policy when it comes to their clients so you won't have to worry about the other party's insurance company dragging their feet as they are much quicker to respond when they know that your accident claim is being handled by a professional third party.
This additional cover is mainly setup for car accidents where you are not at fault but there are companies that offer services for when you are at fault as well so it's worth doing some research on-line to find out what services are available. You will also find accident management companies that will provide a policy for free but make sure you read the small print and find a company that will offer the most services. Sometimes it's worth paying a small fee to get much better coverage for your car but just make sure you do your research beforehand.
