Claim Valuation Sent | Unroadworthy Total Loss Process

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1. Replacement vehicle
2. Monitoring team
3. Fight for liability
4. Pre-accident valuation
5. Valuation Approval
Claim valuation sent
7. Hire car for 7 more days
8. Getting back on the road

Valuation & Payment Request Sent to Third-party Insurer

Now that you’ve approved the pre-accident value of your car, we’re ready to take the next step: submitting your claim to the at-fault driver’s insurance company.

Presenting Your Case to the At-Fault Insurer

We’ll prepare a detailed claim package that includes the engineer’s report, evidence of your losses (e.g., repair invoices, receipts, hire vehicle costs etc.), and any other relevant documentation. This package clearly outlines why you’re entitled to compensation and the amount we’re seeking on your behalf. We then formally request that the at-fault insurer covers all of these documented costs and losses.

Working Within Industry Standards

We’re a proud member of the Credit Hire Organisation (CHO). This means that we follow the industry’s General Terms of Agreement (GTA) rates when calculating credit hire costs. This means our charges align with what insurers typically expect, ensuring a smoother claims process and avoiding unnecessary disputes.

Industry standards

General Terms of Agreement (GTA) rates

The GTA provides a framework for fair and transparent pricing in the credit hire industry. It helps protect both you and the at-fault insurer by ensuring that costs are reasonable and justifiable.

By following these rules, we show that we’re committed to ethical and professional practices.

Why This is Important: Working within the GTA framework shows insurers that we’re a reputable company that plays by the rules. This can help speed up the claims process and increase the likelihood of a favourable outcome for you.

Insurers can undervalue vehicles

However, Insurers Are Known to Undervalue Written-Off Vehicles

Unfortunately, insurance companies often try to minimise their payouts. They might offer less than your car is truly worth, hoping you’ll accept a lower settlement. This is especially common with total loss claims, as evaluating the car’s pre-accident value is not always easy to figure out.

This is Why We Fight for a Fair Settlement

We want to make sure you get what you’re owed and we won’t let you be shortchanged. We use our expert reports and market data to challenge any low offers. Our goal is to get you the right settlement that accurately reflects the true value of your car before the accident.

How we ensure a fair settlement
How We Ensure a Fair Settlement
  • Expert Assessment: We work with independent, BSI Kitemark accredited engineers who are experts in vehicle valuation. They have no ties to insurance companies and will provide an unbiased assessment of your car's pre-accident value.
  • Thorough Review: We carefully review the engineer's report to ensure accuracy and completeness.
  • Market Comparison: We compare the valuation to market data to ensure it reflects the true value of your car.
  • Negotiation: We'll take care of all the discussions with the other driver's insurance company. Our experienced team knows how to get you the best possible outcome.
Payment from at fault insurer
Payment From the At-Fault Insurer

Once the settlement is agreed, the at-fault driver’s insurance company will pay out the full amount of the final settlement. This covers the agreed pre-accident value of your car, as well as any other costs related to your claim (like the cost of your hire car). As the non-fault driver, there’s no cost to you to make a non-fault claim with Auto Claims Assist. You won’t have to pay anything.

Keeping You Informed Every Step of the Way

We’ll keep you updated on your claim’s progress, including all communication with the insurance company. You’ll never be left in the dark. Our experience as non-fault claim specialists means we can handle everything for you, making the claims process smooth, stress-free, and efficient.

Auto Claims Assist

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