The OFT will also examine the cost of accident repairs and replacement cars. Sonya Branch of the OFT said: "Our concerns relate to the provision of third party vehicle repairs and credit hire replacement vehicles to claimants, where we suspect companies may be competing to extract money from each other rather than keeping premiums as low as possible and providing car owners with value for money."By carrying out a market study, we aim to clarify whether a market investigation reference to the Competition Commission is appropriate," she warned.