Hey guys,
I got rear ended yesterday and ended up in the car in front of me. After the accident, I got a call from someone claiming to be from Accident Management Solutions offering to deal with the whole insurance situation, from the car repair, car rental and possible compensation.
They say they got my details from the guy I hit, not the at fault driver.
Has anybody heard of these guys and are they legit?
Thanks!
Please just go through your own comprehensive insurance provider.
I only have CTP
As in you don't even have third party property?
You don't need this service provider at all.
Your role from here is simple.
a) Pay the person you hit whatever they say the cost is.
b) Have your car assessed and send a request for money from the driver who hit you.
The money you saved from driving uninsured will more than adequately cover for a).
RUBBISH!
If he was stopped, then he is not liable for the front, it's the person at the rear that is completely liable for everyone.
@he11bent: What he said, by no means is he responsible for the person infront of him, if he was completely stopped.
@he11bent: Car 2 (OP) claims against Car 3 (the careless driver).
Car 1 claims against Car 2.
Car 1 does not have a direct claim against Car 3.
OP is the middle man and has no insurance.
If Car 3 has no insurance or decides to play silly buggers Car 2 is in trouble.
@tsunamisurfer: Wrong. If car 1 and 2 were stopped. Car is completely at fault and the other two claim off car 3.
OP has no insurance, he can claim off car 3. If car 3 has no insurance, he or she is FU#$ED, car 2 can still get their vehicle repaired by using a dept recovery solicitors like EC Legal or Express Legal, or a myriad of others. They'll just issues a Statement of Liquidated claim against Car 3 I.e sue them.
As someone who works in the industry, all I'll say is this. ALWAYS HAVE COMPREHNSIVE INSURANCE!
@tsunamisurfer: There is an agreement between insurance companies that the insurer of the last car pays for all the damage. Unless it can be proven otherwise, it is assumed that the car at the back has pushed all the cars into each other. If the insurer of the front car needed to chase someone for recovery, they'd be chasing the driver (or insurer) of the last car.
@bobbified: OK Thank you for the clarification. I thought that there was a sequence of claims required.
Yeah nah.
Technically yes the car at the front would claim against you, who'd then claim against the guy who hit you from behind and the rearmost driver picks up the bill.
Now, seeing as you don't have insurance, i feel you'll have to lump your claim plus the front car's claim into one (not sure how this will work).
But it sounds like they heard you don't have insurance and are looking to make some money while making your life 'easier'
There are legitimate companies that can help out in this circumstances, just don't go for the predatory ones.
Good luck though.
i'm guessing they are free-balling with insurance.
They are a legit business in that they are registered but it appears they are a third party and my guess would be so they can navigate repairs to their own shop. I would just deal with your insurance company and let them handle it.
They are a bit like the companies that will find your 'Lost Superannuation' for a fee.
They charge you for doing things you and your Insurance company can do for free.
They claim there is no out of pocket expense for me
Nothing is free.
They claim there is no out of pocket expense for me
That part is true, but…
They will probably even provide their tow truck for which they will send the invoice to your insurer.
They will get their cut from "their preferred" repairer.
They will charge the insurance company for "their rental" you would be driving
and
for any other service they will provide you.
I was once at the receiving end of one of these companies. My insurer apparently refused to pay for the rental they provided to the other party and they sent me a letter as if I'm personally liable for the costs of the car rental and making all sorts of threats if I didn't pay. My car insurance told me to simply to ignore the letter and that was the last time I heard from that mob.
My advice is just deal directly with your insurer. You don't really need another middle man between you and your insurer.
"My insurer apparently refused to pay for the rental they provided to the other party and they sent me a letter as if I'm personally liable for the costs of the car rental and making all sorts of threats if I didn't pay. My car insurance told me to simply to ignore the letter and that was the last time I heard from that mob."
Yes, legally, they need to address the claim to you. They don't address it to the insurer, you just need to forward it onto the insurer. Wouldn't stress too much about that, only happens when the insurer is playing hard ball. They sorta try to avoid dealing with these 'opportunistic' companies.
Generally, the insurers avoid admitting liability for hire cars, but it can be claimed through a lot of fuss. Generally not the way to do if you've had a little bingle.
These companies generally only engage when they know it's a 100% at fault claim so normally it's probably safe. Just bear in mind, the customer always pays in the end, if we have an overall increase in costs of claims, everyone pays for it in next years premium.
Funny how car insurance went up during covid, yet no one was driving. In america, they GenRE actually gave rebates back to their customers due to the decreased use of vehicles and decreased accidents…
They are cold calling for sales, and want you to use their services. You can (and should) ignore them and go with your own insurance provider.
They are my clients and yes they are legit. They can assist with the claim and provide you a replacement vehicle while your vehicle is in repairs. It's at no cost to you.
Thanks. I can't seem to find a website for them though.
They're small run company that deals with insurers, smash repairers and such. PM and I can explain it more if you'd like
provide you a replacement vehicle while your vehicle is in repairs. It's at no cost to you.
These replacement vehicles are charged at an astronomical rate and only free to you if your claim against the at fault driver is successful.
If it is not successful, then they will chase YOU for it at said astronomical rate.
God only knows if they take on the risk if the at fault driver is not insured as well.
Can't speak for other providers, but the established ones, don't chase you for the difference.
This is very true. See my comment above.
I got rear ended yesterday
Reminds me of a trip to Italy once…
Tides have turned - I thought that was the Greeks. Learn something new every day.
Italians are really bad drivers.
Have you driven in Greece ?
Italians can drive just fine, but there are no road rules in italy.
This sounds like a hidden message.
If you're having doubts, don't go with it.
I have heard of similar company around Sydney north shore. Basically delegating the insurance process on someone else behalf including lease car and pick up.
Still sounds a bit sus to me.
without having third party property damage insurance, the OP may need assistance to cover hitting the guy in front. yes, the guy in the rear is responsibe but i wouldn't trust an insurance company to not try and dodge that by hard balling the non-insured party.
Accident Management Solutions
It sounds like this company is another run-of-the-mill ambulance chaser. These type of businesses will try and pick the meat of any bones they can get.
If it sounds too good to be true then the chances are it is. Any fool knows liability in a collision can swing all over the place before things are settled or disputed.
Should have replied with "What accident…?" and they would have to elaborate on it more and if its the same one you got into, then i guess they're legit…? if they waffle on to something dodging ur question then hang up or play along and waste their time…hehe
That's sorta what I did, then they told me the names of the other drivers and that the other not-at-fault driver gave them my details
well if the names of the other drivers check out and they explained where and how the crash happened then I guess it's legit…? Could also just been a coincident that they happen to have gotten all the details correct and true somehow….
No it's not. They get the info most likely the smash repairer or sometimes the insurers.
Call your insurance.
I only have CTP
Sell your car.
Hi
Always talk directly to your insurer and don't trust random calls
Diarise everything. Record everything. Make sure to keep very detailed notes of any and all interactions with such parties
Names, times, dates. etc What they said.
I have read their thread. On incident I know about the fault was so obvious and blatant you wonder why they even thought they could try it on. It was physically impossible for them to use their dodgy (self-declared) methods against the victim
Hi
On further investigation they went into voluntary administration recently and were fined for claim farming by a Queensland court
Beware of others who may be chasing innocent parties up to pay their creditors
I would be interested if anyone knows who the administrators are to save me paying ASIC - see if they are on my list of possible associates too
Even if it’s legit it sounds like a scam.