Accident management service - your questions answered

I caused an accident. Surely you won't be able to help me out?

The accident management service is still available for you to use and will certainly be able to reduce your burden of paperwork and administration. Of course, you may well not have any entitlement to personal injury compensation, loss of earnings or damage to personal possessions, but we are still there to make the process as problem-free for you as possible.

I don't have a GEM motor insurance policy. Can I still make use of the service?

Yes. It doesn't matter who you use for motor insurance - the service is there for you, free of charge, as a GEM member.

The accident was not my fault, could you organise a courtesy car for me and will I incur any costs?

We have an arrangement that a replacement car can be provided by Motor Assist, vehicle replacement specialists, at no cost to you for the period of repair or a reasonable period if your vehicle is written off. The cost of the vehicle will be claimed from the other party or their insurers.

I've had a crash. It was the other guy's fault, but he says it was my fault. Can you still assist?

Yes, however the level of assistance we offer will be determined in the first instance by an initial assessment of your case and the prospects of success in any claim.

In addition to my replacement car costs and policy excess can I include a claim for personal injury?

Yes. GEM members will receive a full injury compensation recovery service provided by a dedicated team of advisors.

If the accident was not my fault do I have to use Insurers approved repairer?

No, we have a national panel of repairers or you can nominate a repairer of your choice. In any event we will handle all aspects of the estimation and repair process on your behalf.

Can I have a like for like replacement car?

If the accident was not your fault then we will supply you with a vehicle the same class as your own, or superior if one of the same class is not available, subject to the vehicle age/valuation.

If the accident was your fault then courtesy vehicle will be subject to repairer availability.

If a claim is initially declared non fault will I be liable for any costs should it subsequently be determined to be my fault.

No. If we initially agree & accept a claim as non fault then provided you have disclosed all material facts honestly then you will not be subject to any costs. In addition an insurance policy is automatically effected, free of charge, which will protect you against any unrecovered hire/repair costs if authorised by ourselves. Subject to terms and conditions.