Auto Claims Investigation (ACI)

Introduction

The Short Term Insurance Industry faces a well-known challenge, where millions of Rand are lost each year due to certain Panelbeaters overcharging for new parts 
replacements when, in reality, used parts are used. Unfortunately, it is incredibly difficult to prove this once the car has been repaired. Additionally,
the industry suffers from a significant issue where some Assessors engage in corrupt practices, resulting in substantial financial losses due to irregularities.

To address these pressing concerns and mitigate the losses, A.C.I. was established. With a combined experience of over 32 years between the two founding members,
 A.C.I. is dedicated to resolving this problem. Since its inception in 2005, A.C.I. has operated as a registered PTY (Ltd) Company, driven by a mission to eliminate 
 these challenges and safeguard the integrity of the industry.

By leveraging our expertise and comprehensive approach, A.C.I. aims to bring about positive change, ensuring fair practices, transparency, and cost savings within
 the Short Term Insurance Industry.
A.C.I. Purpose 

To monitor and regulate the quality of workmanship and authenticity of part used during 
the repair prose's on accident motor repairs. In the process we Monitor any irregularities 
by all parties involved.

Our Goal

To Inspect, Monitor, Audit  and Investigate all claims appointed, during the repair process.

Advantages

1.	Maintain and ensure high quality of workmanship
2.	Ensure Client satisfaction
3.	Reduce the actual cost on motor accident claims.
4.	Eliminate assessor irregularities
5.	No additional expense for this service.
6.	Reduce Annual Loss Ratios
7.	No new appointment to the Insurer/Underwriter - Outsourced.
8.	No Audit Fees. 

Investigator 

Mr. Malan Smal possesses 18 years of extensive experience in Claims Investigation and has successfully 
established four Short Term Insurance Brokerages: Broker-on-Line, Seafirst Broker, Broker-on-Call, 
and Elite Telesales.

Key highlights of our services:

1. Personal handling of 200,000 motor claims.

2. Substantial savings achieved for our valued clients, amounting to millions.
3. Consistently achieving an average saving of 12.7% on claims we handle.
4. Implementation of work in progress inspections to ensure quality control of claims.
5. Conducting thorough audits on all claims.
6. Specialization in investigating fraudulent or fabricated invoices.
7. Demonstrated integrity by rejecting multiple bribe offers amounting to hundreds of thousands of 
Rands. Willing to undergo a polygraph test to confirm the absence of bribery.
8. Successfully exposed dishonest repairers in Johannesburg and Durban.
9. Exposed several instances of corruption involving assessors.
10. Our services come at no upfront cost; instead, we charge a percentage of the savings obtained 
(typically 45%). No savings, no commission.
11. We have developed a user-friendly website, www.aci.co.za, which facilitates the entire claims process. 
This includes the appointment of assessors by the insurer, assessment reports provided by assessors,
 authorizations from the insurer, final costing by panel beaters, and savings monitored by our team. 
 Claim progress can be easily tracked online using the assigned claim number.
12. Successfully exposed clients involved in fraudulent claims.
13. Proven track record in identifying cases of drunk driving.

Choose our services at ACI (Claims Investigation) for reliable and efficient claims management, backed by years of experience and a commitment to saving you time 
and money.

How does it work?

After the Assessor has assessed the vehicle and repairs have been authorized, the Insurer/Underwriter sends the claims details to A.C.I. via email 
or fax. At A.C.I., we place a strong emphasis on thoroughness throughout our process. That's why we conduct a minimum of two inspections at the 
repair shop during the repair process. These inspections are focused on ensuring the authenticity of spare parts and evaluating the quality of craftsmanship.

Working closely with the Panelbeater, we engage in collaborative negotiations to determine the amount of savings achievable for the completed job.
 Following each claim, we meticulously compile a comprehensive report that includes detailed documentation and accompanying photographs. This report
 is promptly forwarded to the Insurer/Underwriter for their thorough review and reference.

At A.C.I., we recognize the importance of efficient payment processing. We expect to receive our payment once the claims have been successfully settled 
with the panelbeater. Our pricing structure involves a fixed, pre-arranged fee for each claim, along with a percentage of the savings achieved in 
comparison to the original quote.

Choose A.C.I. for a streamlined and meticulous claims process, where our commitment to thorough inspections, comprehensive reporting, and fair pricing 
takes precedence.

ACI -Manager

ACI has developed and introduced an Internet bases system; witch handles the complete 
process of a claim. With this system anyone can be given access to monitor the claims 
process and status of the claim at any given time. This way anyone know exactly what 
is happening with the claim at any stage of the process. With the system, the client 
can log a claim, claims technicians can accept and process the claim, appoint assessors
(per region), handle and complete assessors report, do invoicing on behalf of assessor,
do automatic authorization instructions, request final costing from panelbeaters, 
handle final costing from panelbeaters, send final invoice to insurer. 

Conclusion

The Insurer/Underwriter incurs no additional costs or expenses with our services; instead, they only pay a percentage based on the actual cost savings 
achieved for each claim. This arrangement creates a win-win situation for all parties involved. By implementing this method, we raise the standard of
 service and promote honesty throughout the industry. Over time, as fewer advantages are taken, the industry as a whole will maintain a higher degree 
 of professionalism, ensuring continued trust and excellence in our services.

A.C.I. (Auto Claims Investigation PTY (Ltd)
P.O.Box 494, Stellenbosch, 7599
Tel:086 1114339
Fax:086 557-3222
aci@aci.co.za
www.aci.co.za