Frequently Asked Questions (FAQ) - Accident Claims Assist

1. How to Get a Replacement Vehicle After an Accident?

Replacement vehicles are provided for temporary use after an accident while your vehicle is repaired. You are entitled to have a comparable vehicle according to your requirements after an accident, if the accident was not your fault.

If you are involved in an accident, you have to think about a lot of things, and one of them is the vehicle to stay on the road. The Accident Management Company, acting on your behalf, will provide you with a replacement car, and you do not have to pay any charges.

The insurance company of the at-fault driver will pay the cost of the replacement vehicle.

2.Can I get a Free Replacement Vehicle After an Accident?

In the UK, if you are involved in a road traffic accident and you are not liable for the accident, you are eligible for a replacement vehicle for no charge. At the same time, your car is being repaired from approved garages. You will get the replacement vehicle for free as the insurers of the at-fault driver will pay for the cost of the hire vehicle.

You will have a hire vehicle through the credit hire services, and it applies to a comparable vehicle according to your needs and requirements to keep you on the road. The accident management company provided us with a hire vehicle to avoid any inconveniences while the vehicle is repaired.

We can have a replacement or hire vehicle if our vehicle is repaired or requires routine maintenance.

3. Who Will Repair my Car After an Accident?

Vehicle Repairs

A vehicle repair estimate is a calculation of the cost of the vehicle repairs needed along with the prices to make sure that your vehicle is roadworthy. If your vehicle is financed or a company vehicle, then the financer or the company needs to make repairs to bring your vehicle.

Many factors may affect the cost of vehicle repairs, like

Type of Repair: we know that repairs depend on the damages, but the minimum repairs can be up to £500, and major can be as much.

Nature of Damages: It also depends on the severity of the damages. The damages can be structural and non-structural.

Area: The repair cost varies from area to area.

Vehicle Age and Condition: The age of the vehicle also affects the repair cost.

4. Shall I Get a Replacement Car from my Insurers or a Claims Company?

A road accident is when one or more vehicles are involved. Road accidents are uncertain and have a major effect on our daily life. An accident can be a non-fault accident or a fault accident. In a non-fault accident, the driver of the other vehicle is liable for the accident.

An Accident Management Company plays an important role in claims management. The accident management company allows the non-fault driver to focus on his recovery and focus on getting back on the road. The company acting on behalf of a non-fault driver will manage and handle the claims, including vehicle repairs and the other overheads of the claim.

5. Will I have to Pay Cost for a Replacement Vehicle?

Replacement Vehicle

In the UK, a replacement vehicle is a provisional vehicle provided after a road accident or if your vehicle is stolen. You can have a replacement vehicle through your insurance on your policy or through an accident management company. An accident management company will provide you with the replacement vehicle for no cost on the same day until your vehicle is repaired from their approved garages.

The company will provide you with a replacement vehicle like your own vehicle or according to your needs without an upfront charge. Courtesy cars, rental vehicles and hire vehicles are considered replacement vehicles. You can have a replacement vehicle after a non-fault accident through credit hire services.

6. Can I Get a Courtesy Car After an Accident?

A road traffic accident refers to a car collision involving a vehicle where one car collides with another vehicle or a pedestrian or property. The impact can cause injuries, disability, damages, and other losses.

Many of us do not know how to deal with the aftermath of a car accident. A road accident is equally devastating as it is life-threatening. Car accidents result in injuries, trauma, and significant financial loss.

A courtesy car can help us reduce our stress by using a temporary car while our car is being repaired. A courtesy car will keep us on the road and avoid any additional expenses.

Generally, some car insurance companies will focus on providing you with a courtesy car within a week after the accident. Still, you will need to go through more paperwork to get your courtesy car.

7. I didn't have Valid Insurance, But I was Involved in a Non-Fault Accident. Can I still Claim for Damages?

In the UK, any vehicle must have a minimum level of insurance coverage. The vehicle on the road must have at least third-party insurance at all times unless the vehicle is declared off the road by DVLA. Some of the vehicle drivers have an uninsured vehicle so long as it is not on the road.

If your vehicle is on a public road then a policy of insurance is necessary; this is required for vehicles that are not on the road can be involved in an accident. The courts agree to a strict decision towards vehicle drivers charged with driving without insurance, and it is considered misconduct to drive a vehicle without insurance.

If you are driving an uninsured vehicle on the road, you will have 6-8 points on your driving license and also have to pay a fine. This will affect your insurance premiums. Now, there is a fixed penalty for this misconduct; vehicle drivers will receive 6 points and a fine of £200.

8. What is Comprehensive Insurance?

A comprehensive car insurance cover provides coverage and protection for your vehicle and injuries because of an accident. It is also called a fully comprehensive insurance policy.

The minimum level of insurance coverage you need for your car covers you for third-party damages to another vehicle or individual. On the other hand, comprehensive vehicle insurance coverage includes fire, theft and damage to your vehicle, no matter who is responsible for the accident.

9. Can I Claim If I Have a Third-Party Fire & Theft Insurance Policy?

Road Traffic accidents are unpredictable and can be non-fault and at fault. In a non-fault accident, the other party is liable for the accident. But if the accident is your fault, then your insurance company will cover all the expenses and costs.

In case both vehicles involved are partially liable for the accident, then you are eligible to make a claim. These types of accidents are known as contributory negligence or split liability. The accident management company handling your claim will agree on the percentage of the split with the third-party insurance.

10. What are the eligibility criteria to get a credit hire car? Credit hire criteria for non-fault drivers

Credit Hire is a service by an accident management company or a credit hire company when a provisional replacement vehicle is provided after a non-fault road traffic accident, and the company arranges the car hire while your vehicle is being repaired. The credit hire company will then claim the hire charges back from the faulty driver’s insurer.

As a credit hire company, we make sure you have a vehicle that matches the size and specification of your vehicle so you can continue with your daily routine while your car is being repaired.

Credit Hire Organisations also offer Credit Repair services, according to their terms and conditions, where they will arrange and pay for your replacement vehicle to be repaired and again recover from the faulty party insurance.

Accident Claims Assist is a Credit Hire Organisation that provides replacement vehicles for temporary use, equivalent or like your own, after a non-fault road traffic accident.

11. How Long can I Have a Replacement Car for After an Accident?

The UK credit hire services enable and entitles the non-fault driver to receive a like to like replacement vehicle without upfront payment, as the credit hire charges are recovered from the faulty driver’s insurer.

A non-fault driver can use the replacement vehicle until their own car has been competently repaired or until the insurers have compensated the vehicle owner to buy a new car, if their car is total loss or written off.

The claim timeframe can differ, from weeks to months, depending on the difficulties involved in the claim and how swiftly the claim is processed.

The claim timescale can vary, from weeks to months, depending on the complexities involved in the case and how quickly the claim is processed.

12. How can I Arrange a Replacement Car after an Accident?

Replacement Vehicles

Replacement vehicles are temporary vehicles available through credit hire and courtesy car services. The replacement vehicle charges are recovered from the faulty driver's insurance company as part of the loss claim because of the accident. You may be eligible for a replacement vehicle after an accident regardless of your insurance type and your age.

The term vehicle replacement is the process of acquiring a new vehicle to replace the current vehicle you are using. We get the replacement vehicle when the old vehicle is damaged or is written off in an accident, or the vehicle is stolen and is not recovered. To get a comparable vehicle to continue driving while your vehicle is repaired or replaced.

The process of replacing a vehicle is associated with your insurance coverage, which can help you pay the cost of a replacement vehicle. We need to review your insurance policy to check if you are eligible for the replacement vehicle.

13.What is No Win No Fee Agreement?

No Win No Fee is a conditional agreement between the solicitor and the client before starting the claim. This means if the client loses the claim, he will have to pay no fee to the solicitor. In a no-win, no-fee claim, the lawyer acting on your behalf will charge no fee or upfront charges if the claim is not successful.

An ATE (After the Event Policy) is purchased on your behalf at the start of the claim to cover the costs, like court fees, medical report fees and your defendant costs if you are ordered to pay. Most Solicitors firms delivering No Win No fees have their fees for the services provided by the faulty party & then charge their clients success fees of 25% of the compensation.

14.I Have a Road Traffic Accident; Can I get a Courtesy car?

A road traffic accident can be a shocking and stressful experience, leaving you with more questions than unanswered queries. Among these questions, many victims find themselves thinking about whether they can receive a courtesy replacement car while dealing with the after-effects of their accident. In this post, we will explore what is a courtesy car, the circumstances under which you may be eligible for one, and the various points you should keep in mind.

15.How much do I have to Pay for the courtesy Car?

Suppose you are looking to file a compensation claim on your vehicle insurance policy. In that case, whether you have been involved in an accident or your vehicle has been damaged by another vehicle, many different things need to be fixed.

Providing everyone is okay, and your car is the only thing that's dented, we imagine your main concern will be how you're going to get around while your car is being repaired.

Courtesy Cars

A Courtesy Car is a temporary automobile provided by a garage or vehicle repairs Bodyshop for use while your vehicle is being repaired, ensuring it is roadworthy.

Frequently Asked Questions (FAQs)