Accident management companies

Why should you use an Accident Management Company?

When you are at fault for an accident, handling it directly through your insurance is effectively the only option available to you. However, when you are not at fault, handling your claim through your insurer could affect your no-claims bonus.

An Accident Management company, such as the RAC, will mitigate that risk by taking on the case for you, from the moment you report the accident right through to recovering repair and replacement costs from the at-fault party.

It is important to note that when you’ve had any accident it is still wise to report this to your insurer for information purposes only.

Unlike most breakdown providers, if you have an accident on the road we'll come to your rescue - even if the accident was your fault.

Had an accident? - Call us first on 0333 2000 999

What do accident management companies do?

• Collect information and details of the accident
• Provide a replacement vehicle as soon as possible
• Carry out a damage assessment on the vehicle, and on any personal injury you may have sustained too
• Arrange repairs to be made through the garage/provider of your choice
• Recover costs and deal with any legal fallout from the accident through the at-fault parties’ insurance provider

On the surface, it seems like a no-brainer to involve an Accident Management company to act on your behalf in the aftermath of an accident.

RAC accident care

At the RAC our FREE accident management for members includes the following:

Replacement or repairs to your vehicle

• With your permission, we can make arrangements for a replacement vehicle while yours is off the road, or for repairs to get you back up and running. Where possible, we'll incorporate the costs of repairs or a replacement vehicle into your claim.

Personal Injury

• If you are injured as a result of your accident, we can advise you on claiming personal injury, and we’ll ensure that any consultations, medical costs or rehabilitation for your injuries are fully considered.

Loss of earnings

• We'll also assess any loss of earnings or costs incurred if you or your vehicle are out of action as a result of your accident. Any additional costs of doing business with your vehicle off the road, such as replacement transport or missed deliveries, will also be recorded.

Damage to property or goods

• We'll seek to recover the costs of any damage caused to the contents of your vehicle too. If you have tools, equipment, property or perishable and non-perishable goods in your vehicle that were damaged in the accident, we'll include this in your claim.

In addition to managing your claim on your behalf, 24/7 legal advice will be available to you throughout the claims process, completely free.

At fault?

Accidents happen, and if you are at fault don't worry, we're still here to help.

Even if you are at fault for an accident, as a RAC Business Breakdown customer, unlike most breakdown providers, we can still come and recover your vehicle. In addition to recovery, you can also benefit from free accident and legal advice.

Following your accident you'll have access to our FREE RAC legal advice hotline. Our advisors are on hand 24/7 to help talk you through the end-to-end process of managing your accident and will advise and support you on; your legal position, managing your claim, and your options for keeping costs at a minimum - such as alternatives to paying your policy excess, or losing your no claims bonus.

Should I use an accident management company?

In short, an Accident Management company can be a great way to eliminate the stress of dealing with the aftermath of an accident that wasn’t your fault.

It can cut out the need for insurance involvement and provide you with peace of mind that an experienced professional is acting on your behalf.

In addition to repairs to your vehicle and providing a temporary replacement, Accident Management companies can altogether make your post-accident experience more comfortable.