NOT AT FAULT
ACCIDENT
OUR SERVICES
NOT AT FAULT ACCIDENT
FACTS YOU NEED TO KNOW
Our I'M OK Accident Management Specialists have all previously worked for Insurance Companies with significant experience and thus we can confidently state that Not At Fault Drivers are more likely to maximise their entitled benefits by claiming through Specialists like I'M OK.
Case Managers at Insurance Companies have KPIs to meet and one of them is saving costs. Therefore, they will allocate you to the repairer who provides the most cost efficient service and repairs.
[1] EXCESS PAYMENT
[2] NO CLAIM BONUS
[3] PREMIUMS
Many of us from when we were in the Insurance Industry have learned that customers totally misunderstood the Not At Fault Claims Process and how it affects their Premiums. Most of the customers had absolutely no idea about the fact that Premiums were impacted and believed Insurance Claims Services came without a price.
Unfortunately, they were wrong.
NOTE: You can always choose the option to use our No Cost Accident Replacement Vehicles and still proceed to claim with your own Insurer for your Vehicle Repairs if that is what makes you feel more comfortable
There are 3 Different Types of Impacts from Lodging an Insurance Claim:
1 - Excess Payment: An Excess Payment is always required for every Claim, however when you are Not At Fault, Insurers will be able to waive your Excess as long as you are able to provide the following At Fault Driver's details:
[1] Full Name
[2] Address
[3] Vehicle Registration
[4] Contact Details (This Is No Longer A Requirement With Most Insurers Today)
Unfortunately, if you have not been able to obtain all the required information your Insurer will charge you Excess. Furthermore, they will not provide you with any assistance in obtaining the required information as the onus is on you to gather and provide them.
IF YOU COULD NOT OBTAIN ALL THE REQUIRED INFORMATION, SIMPLY CALL US ON 1300 87 11 85
AND WE CAN ASSIST YOU IN OBTAINING ALL THE REQUIRED INFORMATION
Now this and the next part is what confuses many customers out there. Waiving Excess does not mean that your Premiums won't increase.
2 - No Claim Bonus: When you are Not At Fault, your No Claim Bonus does not get impacted.
What this means is that you're No Claim Bonus Discount Rate will remain the same but again this does not mean that your Premiums won't increase.
IF YOU WERE UNFORTUNATELY INVOLVED IN AN ACCIDENT WHICH IS TOO COMPLEX TO BE ABLE
DETERMINE THE AT-FAULT PARTY OR LACK SUPPORTING EVIDENCE, THEN CONTACT US IMMEDIATELY
ON 1300 87 11 85 IN ORDER FOR US TO TAKE ACTION IMMEDIATELY
TO RESOLVE AND RECTIFY THE ISSUE FOR YOU
3 - Premiums: Most of the times you will realise that your Insurance Policy PDS will only mention above two points when it comes to lodging Not At Fault Claims with your Insurer.
The reason for this is because your Premiums do actually increase with every claim lodgement and each lodgement will stay on your record for at least 5 years. Insurance Representatives are taught not to let the customers know about this unless they have been specifically asked about it by the customer.
Moreover, the increase takes effect the following year at Policy Renewal Date which is another reason why so many customers fail to notice the connection between the two.
This is just one of many examples on why using Legitimate Accident Management Specialists like I’M OK can actually benefit you significantly
Not At Fault Accident is one of the rare industries where using a middleman is actually more beneficial in terms of maximising entitled benefits. The reason for this is simply because we do not make our earnings by taking a commission or percentage out of our clients' claimed benefits like Real Estate Agents.
However, the benefits can certainly be MAXIMISED by using a Provider and as to how much you can receive will all depend on your Provider or Representative's abilities.
Therefore, this is why people choose to use I'M OK as it is clearly a Win-Win situation.
NOTE: Keep in mind that not all Providers out there are acting in your best interests as there are
countless number of businesses actually doing more harm than good for the customers.
You will need to be very careful and also learn how to be able to differentiate the good Providers from the bad