Insurance Courtesy Car After Accident
Insurance Courtesy Car After Accident
When a driver is involved in a non fault road traffic accident with another insured vehicle in the UK. The driver not at fault and therefore not responsible for the accident, (not liable) is entitled to receive a post accident temporary replacement courtesy car after the accident. There are conditions to which the non fault driver in the accident must meet to safely receive this service so lets run through some of those now.
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What Are The Conditions For An Insurance Courtesy Car After An Accident?
Firstly the non fault driver must be correctly insured, licensed, and their vehicle must hold in date vehicle road tax and MOT. If the conditions are met, the non fault driver in the accident has two options.
They may have courtesy car cover with their car insurance policy, this would often entitle the policy holder to an insurance courtesy car after an accident. However, often insurance courtesy cars after accidents are only available to the policy holder should their own vehicle be repairable. In the event that their vehicle is written off, the insurance courtesy car provided is often taken back with no replacement courtesy car service made available. This can clearly be a big problem, but thankfully there is a solution. For independent advice on courtesy car and credit hire services visit the UK Governments Citizens Advice Page. They provide details information of credit hire company service available to help you claim for your vehicle and receive a courtesy car after the accident. Want to more about your legal rights and claim entitlements after a non fault car accident visit our legal page for details.
Liability Is Key To Gain A No Cost Courtesy Car After A Non Fault Car Accident
For drivers not held responsible for the car accident that also meet the aforementioned conditions, there is another option instead of the insurance company provided courtesy car after the accident.
All UK drivers not at fault for car accidents are actually entitled, by law, to receive a like for like post accident courtesy car and at no cost to them. The courtesy car or hire vehicle costs are claimed from the the at fault drivers insurance company. The Charges for the courtesy car or hire vehicle forms part of the claim against the at fault drivers insurance company. The temporary replacement vehicle costs are fully recoverable resulting in a no cost service to the non fault driver.
There is a set process for this type of service, vehicle credit hire, with well established protocols in place to follow. There are also standardised (by the ABI) daily credit hire vehicle rates for courtesy cars. These daily hire rates are known as ABI rates. Each daily rate corresponds to a vehicle type. Vehicles are put in groups to reflect the vehicle type, from standard to commercial and prestige vehicles. The entire process can be extremely simple should all the suitability conditions be met and the vehicle damage or vehicle write off claim be dealt with efficiently.
For Independent advice on using a claim service or credit hire company like Compass Hire visit this link to the UK Governments Citizens Advice Page, they provide independent consumer advice of claiming after non fault car accidents and and explain the courtesy car services available to you. Want to know more about your legal rights and claims entitlements after a non fault car accident visit out Legal Page for details. For information on how to claim after a non fault car accident visit our page how to claim after a non fault car accident.
Limitations Of Getting A Courtesy Car From An Insurance Company
Insurance company provided courtesy cars after accidents can be limited by the very arrangement the insurance company has with the courtesy vehicle provider. Using an accredited independent provider can be a better solution for many drivers involved in non fault car accidents. This is because an independent services should only provide a vehicle when they are assured the cost will be met by the at fault drivers insurance company. When this is the case, the courtesy car provider will ensure that the claim for vehicle repairs or vehicle write off claims are dealt with quickly and efficiently which is in the best interest of everyone involved. By doing this it reduces the inconvenience to drivers and reduces the cost to insurance companies. If you want to know details of the 4 ways to get a like for like courtesy car after a non fault car accident visit our How To Claim A Courtesy Car After A Non Fault Car Accident.
Does Your Insurance Company Provide A Courtesy Car After An Accident?
Insurance courtesy cars after accidents are available with 80% of fully comprehensive policy types. A fully comprehensive car insurance policy will often cover you for any damage to your car caused by an accident. If your car is stolen, written off or if it sustains repairable damage for vandalism. However your car insurance company will often only provide a basic courtesy car supplied by the insurance vehicle repair centre. You will normally only keep the courtesy car for 14 days if your vehicle is written off, or for the period of vehicle repair. The key point to note is that if the accident was not your fault and the at fault driver is correctly insured, your are entitled to a like for like courtesy car after the accident. If the accident was not your fault you do not have to use your insurance courtesy car service after an accident. You can use any company you feel offers the most suitable service to meet your requirements. If you need a courtesy car after non fault accident visit our non fault accident courtesy car service page for full details on how we can help.
Need Help Getting A Courtesy Car After A Non Fault Car Accident?
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