I think your readers should be made aware of a survey currently being circulated by the RAC via email. As with most online surveys, the questions are very carefully worded. The survey starts off by asking if the participant has considered taking out accident recovery cover with a breakdown recovery service provider, but within a few questions the survey is asking questions about matters that are usually the preserve of insurers. The RAC appears to be joining the despicable practice of accident management. As soon as I realised this, I went and changed some of my earlier responses before proceeding any further. It may be just a survey, but it would be foolish to give the RAC the answers they want to hear. Apart from the emergency services, perhaps, surely you should always contact your insurer first in the event of an accident?