Hi

I was also involved in a recent accident recently, I was hit from behind which in turn shunted me into a van in front. My car is a write off and i sustained injury to chest and neck.

Even though I had car hire via my insurance they directed me to one of these company's who they said would give me like for like car rather than a smaller one.

They contacted me but I had done some research on these company's and read a lot of the small print of agreement documents they sent to me.

The part that says credit hire agreement done it for me so I declined there service and told my insurance I want the car hire from them which I pay them for.

They will give cars that are not needed, at a very high cost per day etc and say they charge the at fault person. However as some have said this can be challenged and you could end up with thousands of pounds of debt.

I'm so glad I declined as I am now told that the person who hit me is claiming he it me because I hit the van in front first !!! This is totally untrue as I was stationary at traffic lights.

If I had accepted the the car from the other company I would now be facing paying back loads of money even if they said we were both at fault.

It's shocking that the insurance company's that we pay encourage us to go via these company's . They get paid a percentage for any referrals they make to these people !!!!

Always go via your insurance

Regards

Edited by Deborah Teape on 05/07/2017 at 00:57

I thought these AMCs were owned by the insurers and are used to maximise profit at the expense of their customers.

Correct, or more accurately at the expense of the other insurance companies. But since they all do it to each other, and the costs ultmately have to be recovered from premiums, it just puts up insurance costs.

It isn't just the expensive hire cars either. They effectively solicit personal injury claims, principally whiplash.

We (I and the boss) have each had a non-fault accident in recent years. In both cases, as liability was either obvious or admitted, we contacted the other party's insurer who were happy to provide a hire car without risk to us and to use our nominated repairer. We never even had to fill a form in.