Damage Recovery FAQs: Answers to the Questions We Hear Most

ACM operates as a 100% performance-based recovery partner – that’s Our Promise. There are no upfront costs, retainers, or out-of-pocket expenses to get started. Because our success is your success, we only earn a fee when we successfully recover additional value on your behalf. That means if we don't recover, you don't pay.

We specialize in not-at-fault fleet claims and help organizations recover more than physical damage alone. Our team pursues recovery opportunities tied to loss of use, loss of revenue, diminished value, administrative expenses, closed claims, and other overlooked line items of loss. We work with commercial fleets, government agencies, rental companies, dealerships, transportation fleets, emergency services, and more.

That’s a good question, because often, there’s leftover value in “closed” claims. The answer depends on a few factors – namely, the applicable statute of limitations and whether recoverable opportunities still exist within the claim. In many cases, we can review claims that are several years old and identify recovery opportunities that were previously missed or never pursued. If you're unsure whether a claim still qualifies, our team can review it with you.

Loss of use refers to the value associated with a vehicle being unavailable after a not-at-fault accident. If your vehicle is out of service while undergoing repairs or awaiting resolution, you may be entitled to compensation for that downtime. Eligibility and recovery amounts vary based on the circumstances of the claim.

Diminution of value is the reduction in a vehicle's market value after it has been involved in an accident. Even when repairs are completed properly, a vehicle with an accident history may be worth less than a comparable vehicle that has never been damaged. Depending on the circumstances, that lost value may be recoverable.

We’ve specialized in not-at-fault claims recovery since 1997. We help organizations recover more than physical damage alone. Our recovery solutions include fleet damage recovery, loss of use and loss of revenue claims, diminished value recovery, third-party recovery, and closed claim recovery. We focus on identifying overlooked, underclaimed, and missed recovery opportunities to help bridge the gap between what you're owed and what you actually recover.

We specialize in working with organizations that rely on vehicles, equipment, and other operational assets to serve their customers and communities. Our clients include commercial fleets, government and public agencies, rental and leasing companies, dealerships, transportation and trucking fleets, and emergency and medical fleets. While every industry faces unique challenges, our mission is the same for everyone – helping you recover every dollar you’re owed after a not-at-fault accident.

Absolutely. Many of our clients come to us with established claims processes, internal teams, TPAs, carriers, and vendor relationships already in place. We enhance your existing process – we don’t replace or overhaul it. We value working alongside the systems and partners you already trust to identify additional recovery opportunities, improve outcomes, and make your workload lighter.

Every claim – just like every accident – is different. Timelines vary based on claim complexity, documentation, carrier responsiveness, and the recovery opportunities being pursued. Some claims resolve relatively quickly, while others require additional investigation, negotiation, or supporting documentation. Getting started with us is quick, easy, and most are up and running within an hour. Our team keeps you informed throughout the process and provides visibility into claim progress along the way.

You do not need to be in the middle of a current claim to work with us. Many clients come to ACM with current claims, but we also review historical or closed claims that may still contain overlooked recovery opportunities. Whether the accident happened recently or years ago, we can help determine if additional recovery may still be available.

If we are unable to recover additional value on your claim, you owe us nothing. Our performance-based model means we only succeed when our clients do. There is no risk in having our team review eligible claims and recovery opportunities – that’s Our Promise.

Getting started is fast – most can be up and running within an hour. You can submit claim information and supporting documents by clicking on our Getting Started page – then, you’ll use our ACM Tracker secure online claims portal. The platform provides visibility into claim status, document uploads, communication history, and recovery progress, all in one place.