UK Credit Hire Services
UK credit hire services enable and entitle the non-fault driver to receive a like-for-like replacement vehicle without upfront payment, as the credit hire charges are recovered from the at-fault driver’s insurer.
A non-fault driver can use the replacement vehicle until their car has been competently repaired or until the insurers compensate the vehicle owner to buy a new car if their car is declared a total loss or written off.
The claim timeframe can differ, ranging from weeks to months, depending on the complexities involved in the claim and how swiftly it is processed.
The claim duration timescale can vary, from weeks to months, depending on the complexities involved in the case and how quickly the claim is processed.
The Laws for Your Replacement Vehicle Rights
The concept of mitigation of loss applies in the case of a non-fault accident claim. ‘Mitigation of loss’ is a legal principle that aims to reduce the overall damages or expenses suffered by an injured party.
In the case of a non-fault car accident, the provision of a replacement vehicle by an accident management company can be an example of mitigating your loss. Without a vehicle, you could suffer additional losses and expenses, such as the cost of transportation, being unable to drive to work, and the loss of income due to the accident.
By utilizing a replacement vehicle, you are taking steps to minimize these additional losses, thus fulfilling your commitment to mitigate loss. By providing you with a like-for-like vehicle, the accident management company helps in fulfilling this legal duty.
When to Return the Replacement Vehicle
The timeframe for returning the replacement vehicle depends on the types of damages, the availability of vehicle parts, and other factors:
Repairable Vehicles
In the scenario where the vehicle is repairable, the non-fault driver is eligible to keep the replacement car until their vehicle is repaired. Once the actual car is returned to the individual, the replacement vehicle will be collected within 24 hours. The non-fault driver does not need to worry about returning the provisional vehicle, as the accident management company manages this.
Written-Off Vehicles
When a vehicle is declared a total loss, the non-fault driver can keep the replacement vehicle until the third-party insurance company has agreed to the total loss settlement offer. After receiving the settlement amount, the non-fault driver is given a 7-day courtesy period to buy a new vehicle, during which they can keep using the replacement car. At the end of this 7-day courtesy period, the replacement vehicle will be collected by the accident management company.
Points to Consider While Using a Replacement Vehicle
- Insurance Cover: Accident Claims Assist ensures that replacement vehicle providers are fully insured, giving you peace of mind. We will make sure the replacement car is sufficiently insured.
- Timeframe of Hire: The replacement car should be provided for the period required to repair your vehicle. If the repair time is extended, discuss the reason for the extended hire duration with the credit hire company.
- Hire Agreement: Be aware of any upfront charges related to the credit hire car. Review the credit hire agreement to understand your responsibilities and the terms.
At Accident Claims Assist, we guide you through every step of the claim process, ensuring you do not have to worry about the difficulties involved. Our experienced team will handle your claim swiftly and stress-free.
Replacement Vehicle Comparable to Your Vehicle
The size and specifications of your vehicle are important factors when providing a replacement vehicle. After a non-fault accident, it is unfair to be left without the vehicle you depend on.
As part of our accident management company services, we provide a replacement vehicle that closely matches the size and specifications of your own vehicle or according to your needs. By using a replacement car, you can stay on the road without any hassle.
A Replacement Vehicle While Your Vehicle Is Off the Road
Our vehicle replacement service ensures you have a like-for-like vehicle for the duration your vehicle is off the road, whether it’s being repaired or deemed a total loss.
Being without your vehicle, even for a short period, can be extremely disruptive. To make sure that you are not left without a car, we provide a comparable replacement vehicle for the entire duration your vehicle is off the road. This includes during the repair process or, if your vehicle is a total loss, until you receive your compensation.
To minimize any inconvenience, we act swiftly. When you start your non-fault claim with Accident Claims Assist, we aim to get the replacement vehicle to you on the same day. This helps ensure your daily tasks are maintained with no additional losses or stress during this difficult time.
Frequently Asked Questions
How quickly can I get a replacement car?
We can provide a like-for-like replacement vehicle the same day after the accident once you start your claim with us. This ensures you experience minimal inconvenience and can continue with your activities without any delay.
How long can I keep the replacement vehicle?
After a non-fault accident, we provide you with an equivalent replacement vehicle for the entire time your car is off the road. If your car is unroadworthy after the accident, you will get a replacement vehicle from the start. If your car is roadworthy, you will receive a like-for-like replacement car when your vehicle goes to the garage for repairs.
What happens if my vehicle is written off after an accident?
If your vehicle is written off or declared a total loss, we communicate with the third-party insurer for an offer based on the market value of the vehicle. Once agreed and the total loss compensation is paid to you, we will provide you with a replacement vehicle for another 7 days until you get a new vehicle.
Can I choose where the replacement vehicle is transported?
Yes, you can choose where the replacement vehicle is delivered. We understand that you may not always be at home, so we offer flexible delivery options based on your requirements. You can have the vehicle delivered to your home, workplace, or any other location.
How do I return the replacement vehicle?
Returning the replacement vehicle is simple and easy. Once your claim is settled, we will arrange for a suitable time to collect the replacement car.
