
EARC provides a claims handling, management and monitoring service for everyday private policy holders. From the moment of the accident EARC offers a one stop shop service for all claims and repair helping you get back on the road quicker. Let us have the details and we will deal directly with your insurance company on your behalf.
Call us now for advice on how best to manage your claim or deal with any accident damage.
The motor vehicle insurance policy holder has the right to choose the repairer who they wish to carry out the required repairs and is not obliged to use only the insurance companies appointed repairer.
This has been agreed between the Office of Fair Trading (OFT) and the Association of British Insurers (ABI).
The only exception is where this, for commercial reasons, has been made an express condition of the policy and has been written into the insurance policies terms and conditions to which the policy holder has been made aware.
Insurance companies arrange accident repairs to keep their own costs down. Does keeping their costs down mean repairing your car cheaply? What level of service and quality of repair will you receive? Will original manufacturer parts be used or imitation parts? Will your manufacturers warranty remain intact?
Imitation, or non-OE, parts may not fit correctly. They are sometimes provided without surface or rust protection. Using non-OE parts may invalidate the manufacturer’s warranty. You and your family will travel in your motor vehicle at speeds up to 70 mph. Do not accept any compromise in the quality of repair to your car.
EARC will manage the insurance claim, saving a lot of time and hassle and will choose the right quality assured, tried and tested repairer, and not necessarily the insurer’s repairer. Your rights in this area were confirmed by a directive from the Office of Fair Trading issued in 1993.
The following is an extract from an article published in the Daily Telegraph.
“Around 75% of all car accidents are controlled by insurers through their call centre’s. They send policyholders' cars for repairs to ‘approved’ garages that they, the insurers, have chosen to be on their networks. This enables insurers to dictate the level, quality and cost of service to be provided to their own customers.”
“Consumers might think that insurance company ‘approval’ means that repair shops have the correct skills and equipment to undertake proper and safe repairs. While it is true that repairers have to get the right tick in the box before selection, little of that information pertains to their technical skills and equipment. This is simply not good enough in a world where cars and repair equipment are becoming ever more complex.”
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