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If an insurance company appoints an accident management company, is the insurance company responsible for their actions?
It appears that following an accident, my insurance company may appoint an accident management service. If this happens, I would expect that the insurance company would take some responsibility for the accident management company's actions. Thus, if they charge exorbitant rates or prolong the repair period to get a higher commission for car hire etc. and my insurance company complains to me about this, I should be able to respond along the lines of, "well you told me to use them so you should take this up with them and stop bothering me.” Would this be a reasonable response?
In the event of an accident, I would always want the car to be repaired by the dealer that sold the car to me or at least a manufacturer's main dealer if the accident happened too far from my local dealer and the car could not be driven. The reason for this is to maintain the corrosion or any other applicable warranty. If I allow my car to be repaired elsewhere, the manufacturer would have a ‘get out’ if corrosion or other defects then occurred. This actually happened to us about fifteen years ago. Corrosion appeared after the 3-year warranty on the accident repair had expired but before the car's 6-year corrosion warranty expired. The dealer refused to make good until I contacted Vauxhall and pointed out that their repair should have been of a standard that would maintain the original corrosion warranty. Following this, the corrosion was made good. Your thoughts would be appreciated.
In the event of an accident, I would always want the car to be repaired by the dealer that sold the car to me or at least a manufacturer's main dealer if the accident happened too far from my local dealer and the car could not be driven. The reason for this is to maintain the corrosion or any other applicable warranty. If I allow my car to be repaired elsewhere, the manufacturer would have a ‘get out’ if corrosion or other defects then occurred. This actually happened to us about fifteen years ago. Corrosion appeared after the 3-year warranty on the accident repair had expired but before the car's 6-year corrosion warranty expired. The dealer refused to make good until I contacted Vauxhall and pointed out that their repair should have been of a standard that would maintain the original corrosion warranty. Following this, the corrosion was made good. Your thoughts would be appreciated.
Asked on 11 July 2011 by AB, via email
Answered by
Honest John
Many car manufacturers have now launched their own accident management services that ensure the cars are repaired correctly, are not devalued, and can become franchised dealer used stock. They avoid the credit hire trap that you could find yourself in. (Do not sign anything.) But some insurers penalise policyholders with an additional £200 excess on top of their normal excess for specifying their own repairer rather than going with the insurer's tied repairer.
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