Question 1

Who are CRASH Services?

Accepted Answer

CRASH Services is an accident management company who have assisted over 150,000 local motorists following an accident since 1996.

If you are ever involved in a road traffic accident, we can take care of everything. We can assist any motorist, no matter what you drive or whoever you are insured with.

We are Northern Ireland’s largest accident management company and are here to help after an accident.

Question 2

What is an accident management company?

Accepted Answer

An accident management company offers an end-to-end service handling the claims of those who have been involved in an accident.

When you are not at fault for an accident, it is best to use an accident management company like CRASH Services, as handling your claim through your own insurer could affect your no claims bonus.

At CRASH Services, we specialise in managing the after-effects of road traffic accidents and will work tirelessly on your behalf to mitigate that risk by taking on the case for you, from the moment you report the accident right through to recovery, repair and replacement costs from the at-fault party.

Unfortunately, if you are at fault for an accident, you will have to handle the process directly with your own insurance.

Question 3

How does it work?

Accepted Answer

We understand that a car accident can be stressful, so we speak to the insurance company on your behalf. After we have an initial call with you we liaise with your insurer, so you won’t have to spend a second longer worrying about your accident.

We work to establish the liability of the collision to decide on how to progress your claim, either via the other person’s insurance company if you are not at fault or if you need to claim from your own policy.

CRASH takes care of everything including:

Recovering your vehicle from the roadside
Providing a replacement vehicle
Arranging guaranteed repairs
Liaising with insurance companies
Getting you your full entitlement

Question 4

How much does it cost?

Accepted Answer

There is no charge to you for our accident management service, as we recover all costs from the insurers involved.

Question 5

What’s the catch?

Accepted Answer

There’s no catch at all. We recover all costs from the insurers so you don’t need to worry about a thing!

Whilst you can be reassured that we will keep you informed of all your entitlements.

Question 6

Will this affect my no-claims bonus?

Accepted Answer

We protect your no-claims bonus. If you have been in an accident that wasn’t your fault, your no-claims bonus shouldn’t suffer, so let the specialist CRASH Claims Team help you claim against the other person’s insurance company.

By protecting your no claims bonus, this helps to keep next year’s insurance premium down as well as avoiding having to pay any excess.

Question 7

Will my insurance be affected?

Accepted Answer

No, if you are not at fault for the accident your insurance will not be affected.

Question 8

Do I need to notify my own insurer even if I’m not at fault?

Accepted Answer

Yes, we recommend you let your insurance company know that we are taking on the case for you as this needs to be reported for information purposes.

Question 9

What do I do if Third Party Insurers contact me?

Accepted Answer

If a member of a third party insurance contacts you simply refer them to us if we are dealing with your case. We take the stress away from dealing with insurance companies.

Question 10

Can you tell me more about the services offered at CRASH?

Accepted Answer

We can arrange vehicle recovery, collision investigation, organise repairs, provide a replacement vehicle, liaise with insurance companies and offer legal and medical assistance. All at no cost to you.

Question 11

Do you offer vehicle recovery?

Accepted Answer

With CRASH Services, you get exclusive access to our vast partner network.

This includes quick and easy recovery anywhere in Northern Ireland and the Republic of Ireland.

After giving us a call, we will arrange to collect your vehicle at the scene.

We aim to have a recovery vehicle with you within one hour to collect your vehicle; rain, hail or snow.

Question 12

What happens if my car needs to be repaired?

Accepted Answer

CRASH Services can organise guaranteed hassle-free accident repairs to your vehicle.

We work with an extensive network of trusted repairers; they’re all ready to help get you back on the road.

And if you don’t have a repairer in mind we can even find a repairer close to your home to guide you through the process.

Question 13

Can I choose my own repairer?

Accepted Answer

Of course! We always want to ensure that you have the freedom to choose who repairs your car. If you wish to use your own repairer, we can arrange this too. It’s very likely that they are already working with us and recommending our services.

We know that your car is essential to your everyday life, so we don’t wait about; we promise that we will work to ensure that your vehicle is repaired to the highest standard and returned to you as quickly as possible.

Question 14

I’ve been left without a car! Can you arrange a replacement vehicle?

Accepted Answer

We will arrange a replacement vehicle for you. No matter what you drive, we have a replacement vehicle to suit you.

Being involved in an accident doesn’t mean you should go without transport.

That’s why we supply all kinds of vehicles including prestige models, commercial vehicles, motorbikes, PSV taxis and dual controls.

Question 15

Will I get a similar car to my own?

Accepted Answer

No matter what you drive we will try our best to ensure you receive a vehicle suited to your daily needs. We offer a like for like vehicle whilst your car is off the road.

We have an in-house hire department with a fleet of 300 vehicles.

We can provide any type of vehicle from prestige models, 4x4s, commercial vehicles, including vans, PSV taxis, dual controls, motorbikes as well as standard vehicles of all sizes.

Question 16

How do I get my replacement vehicle?

Accepted Answer

We deliver vehicles from our Belfast base to anywhere across Northern Ireland, so you don’t need to worry about collecting your replacement car.

Question 17

Does my insurance cover the hire?

Accepted Answer

We recover all the costs from the insurers involved. For non-fault accidents, this cost will be recovered from the third party insurer involved.

Question 18

Will I receive compensation relating to the depreciation of my vehicle if I’m involved in a non-fault accident?

Accepted Answer

Each case is unique. Receiving compensation for the depreciation of a vehicle depends on certain variables such as year and condition of the vehicle, and the damage the vehicle has sustained. However, if the independent engineer feels that depreciation applies to your vehicle after an investigation, we will try to recover this from the third-party insurance. Please note that depreciation is not guaranteed with any case and is opinion-based.

Question 19

Do you offer legal assistance?

Accepted Answer

Our expert panel of solicitors will work tirelessly on your behalf with our indemnity insurance policy covering you for legal costs if you are involved in a vehicle collision.

Our recommended solicitors can provide an indemnity policy to cover legal expenses for your passengers on a complimentary basis.

They’ll also help you pursue compensation if you are injured as well as for any reduction in the value of your vehicle as a result of an accident.

Question 20

I’ve been injured, do you offer medical assistance?

Accepted Answer

If you sustain an injury as a result of a road traffic accident, our sympathetic team of specialists can guide you through the rehabilitation process.

We will liaise with the medical practitioners to help you along in the rehabilitation process.

If you are not at fault, we can ensure that you receive all the medical help available to you.

Question 21

Where are you based?

Accepted Answer

We have offices across Northern Ireland in Newry, Belfast and Derry/Londonderry. So it’s easy to walk in and speak to one of our expert claims handlers.

Question 22

I depend on my van for work, do you offer light commercial vehicle replacement?

Accepted Answer

Yes, we look after light commercial van accidents and replacement vehicles. No matter what you drive we will try our best to ensure you receive a vehicle suited to your daily needs. We have an in-house hire department with a fleet of 300 vehicles.

Question 23

Do you offer taxi replacement vehicles after an accident?

Accepted Answer

Yes! A car accident is the last thing you need especially if your job involves driving. If you are a taxi driver and have a collision, we aim to have a taxi replacement vehicle fully fitted with equipment for you within one hour.

Question 24

I don’t know what do to after an accident, can you help?

Accepted Answer

CRASH Services have created a new free Accident Advice Guide which explains your legal rights after an accident regardless of fault. You can download our Accident Advice Guide here or request a free physical copy.

Liz Harkin, member of the CRASH Services claims team.

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