Accident Recovery Service in Accra – The Complete Guide to Getting Your Vehicle Fixed

‍

Accidents happen. Even in a city as large and developed as Accra. With so many cars, motorbikes and other vehicles whizzing around at all hours of the day, it’s only a matter of time before accidents occur. If you ever find yourself in this unfortunate position and your car is damaged by another driver or through no fault of your own, it can be incredibly stressful. How are you going to get home? Where will you park? And most importantly, how are you going to afford the repairs? Fortunately, there is help out there for those who have been involved in an accident and need assistance with getting their vehicle fixed. The Accident Recovery Service (ARS) program provides auto accident victims with services related to repair costs, medical bills and lost wages from their insurance company in order to quickly recover from their accident. Let’s take a look at everything you need to know about the ARS program if you are ever involved in an accident in Accra!

What is the Accident Recovery Service?

The Accident Recovery Service (ARS) is a program for all policyholders in Ghana that provides coverage for accident-related expenses. These costs cover all expenses related to your vehicle (including repairs and towing), medical bills related to your accident and any lost wages as a result of the accident. ARS uses a network of repairers licensed by the National Insurance Commission to ensure that your vehicle is repaired properly and according to Ghanaian law. This way, you can be sure that the accident won’t be visible in your car’s resale value or affect its safety. ARS also provides coverage for passengers in your car if they are involved in the accident.

What does ARS provide?

The Accident Recovery Service is designed to help accident victims cover the costs associated with their accident. This includes the cost of repairs, medical bills and lost wages. The ARS program will provide this coverage regardless of whether or not the other party involved in the accident has insurance. The ARS program is also available to anyone who has a valid motor third party liability insurance policy. In other words, pretty much anyone who owns a car in Ghana is eligible for the program!

How to use the Accident Recovery Service

If you are involved in an accident and you don’t know what to do next, your first call should be to the ARS hotline. The ARS team can help you navigate the confusing process of filing a claim and getting your car repaired. They can even set you up with a repairer nearby so you can have your car fixed as quickly as possible and get back on the road! If you are injured in your accident, the ARS team will also help you file a claim for your medical expenses. All you need to do is provide documentation from your doctor proving that you need the treatment. ARS will cover up to GHC 30,000 in medical expenses per person, per accident.

Is your car covered by ARS?

If your car is insured with any of the following insurance providers, then it is definitely covered by the Accident Recovery Service! All Ghanaian-owned insurance companies: Ghana National Petroleum Corporation (GNPC), Ghana Fire and Allied perils (GFA), Ghana Insurance Company (GIC), The Prudential, Aboa Trust, Liberty Trust, Volta River Valley, New Africa, Ghana Alliance, Excellence Alliance. All foreign-owned insurance companies: Liberty, Allianz, Alliance, Amlin, Aviva, Chubb, CIGNA, Cooperative Insurance Society, CNA, DAC Beachcroft, Deloitte, Endurance, Ergo, Hiscox, HUB International, Juridica, Latitude, Liberty, Newfields, ProAssurance, Safe Harbor, Trelleborg, Travelers, Zurich.

How to find an ARS Repairer

If you have been involved in an accident, you will need to find an ARS repairer. The ARS team can help you locate one nearby. Keep in mind that repairers who work through the ARS program are licensed by the National Insurance Commission (NIC). You can check if a repairer is authorized to work through the ARS program by visiting the NIC website. As a general rule of thumb, you want to steer clear of the small garages on the outskirts of town. These are often unlicensed and don’t have the equipment or knowledge to properly repair your vehicle. Instead, you want to find a repairer based in Accra or another major city. This way, you can be sure that the repairer is capable of repairing your vehicle to the highest standard possible!

Conclusion

In order to get the most out of your car insurance policy, you need to be familiar with the ARS program. If you are ever involved in an accident, the ARS team can help you get your car fixed quickly. They will even cover your medical bills and lost wages if required! All you have to do is make sure that your car is covered by the ARS program. It’s as simple as that! Now that you know what the Accident Recovery Service is and how to use it, you can rest assured that you will be taken care of in the case of an accident. Get ready to get your car fixed in no time!