Accident management company, claims manager, solicitor, insurer — what's the difference, and where does each fit in? A clear breakdown.
After an accident you'll hear several terms thrown around. Here's what each actually means, so you can decide who to deal with.
Your insurer
Your own insurer manages claims under your policy. Claiming through them after a non-fault accident can mean paying your excess upfront and risking your no-claims discount, even if you get it back later.
An accident management company
An accident management company handles the practical side of a non-fault claim end to end — arranging repairs, a replacement vehicle and recovery of your costs from the at-fault insurer — typically with nothing for you to pay. That's the core of what Swift Assist does.
A solicitor
Where there's a personal injury, a solicitor handles the legal side of the injury claim. A good claims manager coordinates this for you so you're not juggling multiple contacts.
So do I need one?
If the accident wasn't your fault, an accident management company can save you money, hassle and your no-claims bonus — at no cost to you. Call us and we'll explain exactly how it would work for your situation.
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About this guide. Written and reviewed by Swift Assist's claims specialists, who handle non-fault motor accident claims for UK drivers every day. Figures are taken from official UK sources and checked on publication. It is general information, not legal or financial advice. See our sourced UK statistics.