Credit Hire & Replacement Vehicles After an Accident
If your vehicle requires repairs following an accident, you may be eligible for a replacement car while it is being fixed. This is especially true if the accident was not your fault. However, whether you qualify for a replacement vehicle depends on your insurance policy and the specific details of the accident.
At Accident Claims Assist, we provide a temporary replacement vehicle service to help drivers stay mobile after an accident. If you were not at fault, you may be entitled to a replacement car, which could range from a standard vehicle to a luxury car, motorbike, van, or even a commercial vehicle. You can use the replacement vehicle until your own car is repaired or your claim is settled.
We offer same-day replacement vehicles nationwide, ensuring you experience minimal disruption.
Eligibility for a Replacement Car
Your eligibility for a replacement car depends on the specifics of the accident and your insurance coverage.
Non-Fault Accidents
If you were involved in a non-fault accident, you can obtain a replacement car through your insurance provider or a claims management company. The at-fault driver’s insurance should cover the costs, preventing any unnecessary inconvenience. You can keep the replacement vehicle until your own car is repaired or until you receive compensation for a total loss.
Fault Accidents
If you were at fault for the accident, your insurance may not provide a replacement vehicle, or you may need to cover the cost yourself.
Credit Hire During Repairs
Credit hire allows you to receive a replacement vehicle without paying upfront while your car is being repaired. The cost is covered by the at-fault driver’s insurance.
Duration of Credit Hire
Credit hire is typically provided for the duration of the repairs. The repair garage will confirm how long the repairs will take.
Vehicle Suitability
The replacement vehicle should be appropriate for your needs. For example, if you require a car for work, the replacement should be suitable for that purpose.
Pre-Accident Vehicle Assessment
Your insurance company may assess the make and model of your pre-accident vehicle. If the replacement car is considered too expensive compared to your original vehicle, the insurer may challenge the hire cost.
Payment Recovery
If you were not at fault, you have the right to recover the cost of the replacement vehicle from the at-fault driver’s insurer. This covers all expenses associated with the hire vehicle during the repair period.
Essential Documentation
To support your credit hire claim, ensure you keep:
✔ A copy of the hire agreement, including terms and costs.
✔ A repair estimate confirming the expected duration of the repairs.
✔ Communication records with the hire company and insurers.
Potential Challenges & Disputes
Although credit hire is a convenient solution, disputes may arise:
- Insurance Disputes: The at-fault driver’s insurer may challenge the necessity or cost of the replacement vehicle and may request additional evidence.
- Claims Adjustments: Insurers might limit the hire period if they believe the replacement vehicle exceeds your actual needs.
- Liability for Damages: If the replacement vehicle is involved in another accident, you may be responsible for repair costs, depending on the hire agreement.
Legal Support & Claim Assistance
Credit hire is supported by UK law, which ensures claimants can return to their pre-accident position without financial burden. However, if disputes arise regarding hire duration, costs, or liability, seeking legal assistance can be beneficial. Solicitors experienced in credit hire claims can help you navigate the process and secure fair compensation.
Conclusion
Credit hire allows you to remain mobile while your vehicle is being repaired after an accident. Understanding eligibility, costs, and documentation requirements can help you manage the process effectively and avoid delays in your claim.
At Accident Claims Assist, we provide like-for-like replacement vehicles and ensure that repairs are carried out using original parts to the highest standards. Additionally, we can help you access confidential legal advice to recover losses such as lost earnings or personal injury compensation.
