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Accident Management vs. Insurance: Which is a Better Service?

Jun 24, 2024News

accident management ni

After getting into an accident, you might wonder which route to take to get the compensation you deserve. Let’s break down the benefits of using an accident management NI company versus your insurance company so you can make an informed decision.

Should I Use an Accident Management Company or My Insurance?

When involved in a road traffic collision, your first instinct might be to contact your insurance company. However, it’s worth exploring alternative options, like accident management NI services, to see what works best for you.

The Lengthy Process of Insurance Claims

Most insurance claims involve a lengthy and tedious process. From filing the initial claim to getting your vehicle repaired and dealing with various administrative tasks, the process can be overwhelming. Insurance companies often require extensive documentation and multiple phone calls, which can be time-consuming and frustrating.

The Benefits of Accident Management NI

Accident management NI services streamline this process. Companies like Shield handle everything from start to finish, ensuring a smooth and efficient experience. We manage all communications with insurance companies, arrange for vehicle recovery and repairs, and provide replacement vehicles, allowing you to focus on your recovery.

To make an informed choice, it’s essential to compare the processes and benefits of each option. While insurance companies have established protocols, accident management NI services offer a more personalised and hassle-free approach. Understanding these differences can help you decide which route is best for your situation.

The Hidden Costs

Claiming through your insurance can lead to increased premiums and higher excess costs. After making a claim, insurance companies often raise your premiums, reflecting the perceived increased risk. This means you might end up paying more for your insurance in the following years, even if the accident wasn’t your fault. Additionally, you’ll need to pay an excess fee upfront when making a claim, which can be a significant out-of-pocket expense.

Long-Term Financial Impact

According to the Association of British Insurers, avoiding insurance claims can result in substantial long-term savings. You can save up to 30% on your premiums for one claim-free year and up to 60% for five claim-free years. This makes a strong financial case for exploring alternatives to traditional insurance claims, especially for minor incidents where the cost of repairs might be lower than the increased premiums.

Small vs. Large Claims

For minor incidents, the increased premiums and excess costs might outweigh the benefits of making a claim. In such cases, using an accident management NI company could be a more cost-effective solution. These companies such as ourselves handle the recovery, repair, and replacement process without affecting your insurance premiums.

On the other hand, for larger claims involving significant damage or legal complexities, insurance might cover costs that would be otherwise unaffordable. However, even in these situations, an accident management NI company like Shield can streamline the process, ensuring you receive the best possible outcome without the added stress.

It’s also essential to consider any legal fees related to the incident. Legal costs can quickly escalate, especially if there are disputes over liability or compensation. Accident management NI companies, like Shield Accident Management, often provide legal assistance as part of their service, helping you navigate these complexities without incurring additional costs.

Exploring Familiar vs. New Options

Many drivers prefer their insurance company over an accident management company due to established trust and familiarity. Over time, they have built a relationship with their insurer, which often includes personalised service, loyalty benefits, and a sense of security. This trust can make drivers reluctant to try a new service, even if it might offer better terms or more convenience.

The Unfamiliarity of Accident Management NI Companies

Accident management companies can seem unfamiliar and uncertain to those who have never used them before. The idea of switching from a well-known insurance provider to a relatively unknown accident management company can be daunting. Drivers might worry about the legitimacy, reliability, and quality of service these companies provide. However, reputable accident management NI companies, like Shield Accident Management, are designed to offer specialised, comprehensive services that often surpass traditional insurance company offerings.

Shield Accident Management, for example, is an established and trustworthy company with excellent customer ratings. With numerous positive reviews, Shield has built a reputation for reliability and exceptional service. Choosing a trusted accident management NI company can provide peace of mind, ensuring you receive expert assistance and support throughout the claims process.

Considering All Options

It’s important to explore all your options before making a decision. Accident management NI companies are specialists in handling the aftermath of accidents, offering services that can simplify and expedite your recovery. By comparing the benefits of your insurance company with those of an accident management NI company, you can make a more informed choice that best suits your needs.

Why Choose Shield Accident Management NI?

Shield Accident Management NI offers a comprehensive range of services tailored to meet your specific needs after an accident. Our dedicated team handles everything from the initial report to the final resolution, ensuring a seamless and stress-free experience. We prioritise your well-being and convenience, taking care of all the details so you can focus on recovering.

Fast and Efficient Response

    Time is of the essence after an accident. With Shield, you can speak with a professional in under three minutes after reporting your accident. Our swift response ensures that all necessary steps are taken immediately, minimising delays and getting you back on the road as quickly as possible. Our team is available 24/7 for your utmost convenience.

    No Upfront Costs

      One of the key benefits of using Shield is that our services come with no upfront costs. We recover our fees from the at-fault party’s insurer, meaning you won’t have to worry about unexpected expenses. This transparent approach ensures you receive top-notch service without financial strain.

      Protection of Your No-Claims Bonus

        By handling your claim through Shield Accident Management NI, you protect your no-claims bonus. This means your insurance premiums won’t increase due to the accident, saving you money in the long run. Preserving your no-claims bonus is one of the significant advantages of using an accident management company.

        High-Quality Repairs and Replacement Vehicles

          We work with a network of approved repairers who use first-hand parts to ensure your vehicle is repaired to the highest standards. Additionally, we provide like-for-like replacement vehicles to keep your daily routine uninterrupted. Whether you need a luxury car, a commercial vehicle, or a specialised vehicle, we have you covered.

          Shield Accident Management NI is a trusted and reputable company with excellent customer ratings. We have built a reputation for reliability and exceptional service. Our unwavering dedication to customer satisfaction distinguishes us from traditional insurance companies. Reach out to our friendly team today to learn more about how we can assist you.