If you’ve ever been in a car accident, you know how overwhelming the aftermath can be. Between dealing with insurance companies, arranging repairs, and trying to secure compensation, the process can quickly become stressful and time-consuming. This is where claims management companies come in.
While many people turn to these companies for help with the basics, there are several lesser-known benefits that can make the experience smoother and more beneficial. Let’s explore the hidden advantages of using a claims management company after an accident and why more UK drivers are choosing this route.
1. Hassle-Free Claim Handling
One of the biggest advantages of using a claims management company is the ability to hand everything over to professionals. Instead of spending hours on hold with your insurer or filling out confusing paperwork, these companies take care of the entire process for you.
They act as intermediaries between you and the insurance company, ensuring that your claim is processed quickly and efficiently. This means less stress, fewer delays, and a much smoother experience overall. Are you wondering how long does accidents affect insurance? This is advice you can get from a claims management company, as they’re happy to help with any questions you have.
2. Better Compensation Than Insurers Offer
Did you know that many insurance companies initially offer lower settlements than you may be entitled to? Claims management companies are experts at negotiating with insurers and fighting for the compensation you deserve.
Because they have experience handling accident claims, they understand what a fair settlement should look like and can push for higher payouts for: Vehicle repairs or replacements. Medical costs for injuries. Loss of earnings due to time off work. Compensation for emotional distress.
Without their expertise, many drivers accept the first offer from their insurer, unaware that they could have received more.
3. Faster Access to Courtesy Cars and Repairs
If your car is damaged in an accident, waiting for your insurer to sort out repairs can be frustrating. Claims management companies often speed up this process by working with trusted repair networks and ensuring you get a courtesy car while yours is being fixed.
For non-fault accidents, they make sure the at-fault driver’s insurance covers everything, so you don’t have to pay out of pocket or claim through your own insurer—protecting your no-claims discount in the process.
4. Protection Against Insurance Premium Increases
Making a claim through your own insurance—even if you weren’t at fault—can sometimes lead to an increase in your premium. Many drivers don’t realise that using a claims management company can help avoid this issue.
By handling the claim directly with the at-fault driver’s insurer, these companies ensure your own policy remains untouched, reducing the risk of price hikes when it’s time to renew.
What Type of Evidence Helps a Car Accident Claim?
While you can be 100 per cent certain that you didn’t cause the car crash, you need to convince people that weren’t there. This is particularly true if the other driver disputes what happened. Indeed, you need to have evidence of the accident so that it shows you’re innocent. It’s important to gather evidence after it’s happened, as this is going to help your claim. Here are some types of evidence you need to have.
Dashcam Footage
One device that you want to have in your vehicle is a dashcam. It’s at times like this when they can really help you. Indeed, they’re going to have a video of the crash, which can demonstrate that you weren’t at fault.
Photos from the Scene
Something you definitely want to do is take a lot of photos at the scene. You want to capture the damage to your vehicle, where you are on the road and the other car. These photos can help to visualise what happened and show the damage your vehicle has sustained.
Medical Records
If you’ve sustained injuries, you’re going to have medical records that prove what’s wrong with you. This is why it’s important to see a medical professional immediately after the accident. They’re going to have notes on what they see and any treatment you require.
Witness Statements
If there are people who witnessed the crash on the road, you need to get a statement from them. They can prove that the other driver was at fault. They’re an unbiased party, which is going to be respected by those handling your claim.
Conclusion
While claims management companies are often seen as just an alternative to dealing with insurers, their benefits go far beyond that. From securing higher payouts to protecting your no-claims discount and providing legal support, these services offer a level of convenience and financial protection that many drivers don’t realise they need.
If you’ve been in an accident, it’s worth considering whether a claims management company could help you navigate the process more smoothly. With their expertise, you’ll have peace of mind knowing your claim is in good hands.
