UNINSURED LOSS RECOVERY SPECIALISTS

Using the experience and expertise of our dedicated claims handling team, we ensure that all legitimate losses are recovered on behalf of our clients on every incident reported to us.
If necessary we will pursue recovery by litigation or against the motor insurers bureau where the third party is uninsured or untraceable, subject to the standard excess.

Process

• Elite holds the third party and/or insurer responsible, in writing within 24 hours of the driver's
  notification informing them we will be seeking to recover our clients loses from them.
• If only a registration number is available, Elite will obtain details of ownership from either DVLA. We will also contact the clients insurers regarding MID enquiry to establish insurance details.
• At the same time, evidence such as Witness Statements is requested.
• If unknown, Elite seeks to establish the Third Party's insurer details.
• Provision will be made for solicitors to manage any personal injury claims on behalf of the driver.

Liability

• Elite will negotiate liability with the Third Party as soon as possible; this may be prior to submission of quantum.
• We will seek additional evidence such as Police Reports, Locus Report, and the use of video images of the vehicle damage to support the driver's allegations, as necessary.
• Case Law such as that within Bingham's Motor Claims is used to overcome repudiation or protracted debates of the available evidence.

Quantum

• Elite will submit details of losses within 48 hours of receipt, to include details of the repair cost, excess, hire charges, engineer's fees, specialist recovery and storage charges if incurred.
• Loss of Use will be claimed if a hire vehicle was not used.
• We will substantiate losses with with engineer reports, video images of the damage and the repair event histories, as held on our Accident Management System.

Negotiations

• Claims are auto-diarised to prompt the handler to review the case and chase settlement or a
  response.
• Elite will ‘progress chase' by telephone, albeit auto-generated chase letters will be used to complement this process.
• Requests from Insurers are logged and responded to within 3 working days of receipt – responses being auto-faxed where possible.
• Systematically reviewing cases and telephone chasing insurers in this manner we believe reduces settlement times significantly.

Litigation