Accident management is an end-to-end service that handles every practical, financial, and legal detail following a non-fault road traffic collision.

A specialist provider like React coordinates 24/7 roadside recovery, secure vehicle storage, like-for-like replacement vehicle hire, manufacturer-approved bodyshop repairs, and legal compensation claims without requiring you to pay policy excesses or claim through your own motor insurance policy.

Key components of React’s accident management service include:

• 24/7 Roadside Towing: Immediate emergency transport from the collision site to secure storage facilities across Ireland.
• Credit Hire Vehicles: Rapid delivery of a representative, like-for-like replacement car, van, taxi, or dual-control vehicle.
• Approved Bodyshop Repair: Complete oversight of vehicle repairs using accredited technicians and genuine original equipment manufacturer (OEM) parts.
• Legal Loss Recovery: Full handling of personal injury claims, lost earnings recovery, and policy excess protection.

React offers accident management at zero cost to non-fault drivers because all legitimate expenses are recovered directly from the fault driver’s insurance company.

Under tort law and common law across Northern Ireland, the UK, and the Republic of Ireland, the insurer of the party who caused the accident is legally liable for all reasonable losses incurred by the innocent party.

When React handles your non-fault claim:

• You pay £0 / €0 policy excess upfront.
• All recovery fees, storage costs, vehicle hire charges, and repair bills are invoiced directly to the third-party insurer.
• You avoid out-of-pocket expenses throughout the entire claims process.

No, using React Accident Management will not affect your No Claims Bonus (NCB).

Because React processes your claim directly against the at-fault driver’s insurance policy on a non-fault basis, no claim is made against your own comprehensive insurance policy. Your No Claims Bonus remains 100% protected and intact.

Yes, React Accident Management provides complete 24/7 operational coverage across all 32 counties in Northern Ireland and the Republic of Ireland.

Based in Belfast, React specializes in local and cross-border accident management, eliminating the operational delays and jurisdictional issues commonly experienced when dealing with mainland UK credit hire companies.

Our All-Ireland coverage includes:

• Northern Ireland: Belfast, Derry / Londonderry, Lisburn, Newry, Bangor, Craigavon, Antrim, and all surrounding counties.
• Republic of Ireland: Greater Dublin, Dundalk, Donegal, and all cross-border commuter corridors.

Under non-fault credit hire law, you are legally entitled to receive a representative, like-for-like replacement vehicle that matches the standard, size, capacity, and specification of your own vehicle.

React maintains a diverse vehicle fleet to ensure minimal disruption to your daily life or business operations:

• Private Motorists: Hatchbacks, family crossovers, estate cars, and prestige SUVs.
• Executive Drivers: Premium saloons and luxury vehicles.
• Commercial Operators: Small, medium, and heavy commercial vans.
• Specialist Drivers: Licensed taxis, private hire vehicles, and dual-control driving instructor cars.

An insurance company focuses on minimizing its financial payout, whereas React Accident Management acts as an independent advocate for the non-fault driver.

Here is how the two routes compare:

• Upfront Policy Excess: The standard motor insurance route often requires you to pay a policy excess upfront. With React, you pay £0 / €0 zero excess because all costs are recovered directly from the fault driver’s insurer.
• Replacement Vehicle Class: Standard insurers typically provide a small basic hatchback as a courtesy car. React provides a true like-for-like replacement vehicle that matches the exact standard, size, and specification of your own car, van, taxi, or commercial vehicle.
• Repair Location Choice: Insurers routinely direct vehicles toward their own budget repair network. React uses manufacturer-approved bodyshops using genuine original equipment manufacturer (OEM) parts to preserve your vehicle warranty and resale value.
• No Claims Bonus Status: Claiming through your own insurer can temporarily freeze or negatively impact your No Claims Bonus. React processes your claim on a non-fault basis against the third party, leaving your No Claims Bonus fully protected.
• Jurisdiction Expertise: Standard insurance call centres are often UK mainland-centric and struggle with local logistics. React is a dedicated All-Ireland and cross-border specialist operating seamlessly across both Northern Ireland and the Republic of Ireland.

Immediately after a collision, ensure safety first, exchange details with all drivers, take photographic evidence, and contact React before notifying your insurer.

Follow these essential steps at the crash scene:

1. Check for Injuries & Call Emergency Services: Contact the PSNI (Northern Ireland) or An Garda Síochána (Republic of Ireland) if anyone is injured or the road is blocked.
2. Exchange Driver & Insurance Information: Obtain the third party’s full name, telephone number, vehicle registration number, and insurance provider details.
3. Document the Scene: Take clear photographs and video footage showing vehicle positions, collision damage, road markings, weather conditions, and traffic signs.
4. Call React First on 028 9002 1600: Speak directly to our 24/7 team before calling your insurer so we can arrange immediate towing, issue a replacement vehicle, and protect your policy excess.

If an independent automotive engineer determines that repairing your car is not economically viable, React assists you in negotiating a fair market value settlement directly with the third-party insurer.

You retain full access to your like-for-like replacement vehicle until your total loss settlement payment has been processed, ensuring you remain completely mobile throughout the settlement period.

No, you have the legal right to choose where your vehicle is repaired following a non-fault accident.

You are not legally obligated to use your insurance company’s recommended budget repair centre. React coordinates all vehicle repairs through accredited, manufacturer-approved bodyshops that use genuine original equipment manufacturer (OEM) parts, preserving your vehicle’s factory warranty, structural safety, and resale value.

Yes, React coordinates expert legal representation to recover compensation for personal injuries, medical treatment, rehabilitation costs, and lost earnings resulting from a collision.

Working alongside specialist legal solicitors, we ensure all unrecovered losses – including damaged personal belongings and travel expenses – are claimed directly from the fault driver’s insurance provider on a No Win, No Fee basis.