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.
Types of Replacement Vehicles
We understand that the size and specification of a vehicle are important factors. There are many types of Replacement vehicles like:
- PCO Vehicles
- Standard Vehicles
- Prestige Vehicles
- Courtesy Vehicles
- Vehicles for our Daily Use
PCO vehicles
PCO vehicles include taxis and minicabs and are licensed by the Public Carriage Office.
Standard Vehicles
These vehicles are often used for rental purposes.
Prestige Vehicles
In the UK, prestige vehicles are luxury vehicles sold by a car retailer. Prestige vehicles can include Audi, Aston Martin, Bentley, BMW, Bugatti, Ferrari, Infiniti, Jaguar, and Lamborghini.
Courtesy Vehicles
These vehicles are provided by the repair shop, garages or by your insurance company for use while your vehicle is repaired.
Daily Use Vehicles
In the UK, the commonly used vehicles are the Ford Fiesta, Vauxhall Corsa, and Volkswagen Golf. These are small and medium-sized vehicles for our daily use.
How to Get a Replacement Vehicle
If you are involved in a road accident, speak to an accident management company to get a replacement vehicle after an accident; they will handle and manage the process of filing a claim, which may include arranging a like-to-like vehicle while your vehicle is being repaired from the approved garages. If your vehicle is considered a total loss, the company acting on your behalf will provide you with a replacement vehicle.
The following are the key steps to take:
- Contact An Accident Management Company
After an accident, make sure everyone in the vehicle is safe. Contact an accident management company to inform them about the accident. Please provide them with all the details of the accident, like the time of the accident, location, driver’s name, and registration number of the vehicles involved.
- Make a Claim
The accident management company acting on your behalf will inform you about the whole process of the claim and will initiate the claim process.
- Speak to your Insurers
After the accident, contact your insurance company and inform them about the accident.
- Vehicle Inspection
The accident management company will instruct the engineers to inspect your vehicle. After the physical inspection of the vehicle, the engineers will make a report including the cost of repairs, labor cost, cost of the parts and other charges.
After the vehicle inspection, the accident management company will review to report to determine whether the vehicle can be repaired or if it is considered a total loss.
- Hire Agreement
If your vehicle is repairable, the company will provide you a replacement vehicle while your vehicle is repaired. You will have the replacement vehicle within 24 hours of the accident. Once you sign the hire agreement, you will get the vehicle without paying any charges. All the costs will be recovered from the insurers of the party at fault. Your claim bonus will not be affected.
- Total Loss vehicle
After a vehicle inspection, if your vehicle is considered a total loss, the accident management company will initiate the claim for you. It will provide you with a settlement amount based on the value of your vehicle.
- Purchase a New Vehicle
Once you get the settlement amount, you can use it to purchase a new vehicle.
PCO Replacement Vehicles
We provide you a PCO replacement vehicle the same day to minimize your inconveniences and keep you on the road.
You can have:
- A replacement vehicle at no cost
- Unaffected Insurance
- Vehicle repairs from our approved garages
- Recover your losses because of the accident
- Secure your PCO vehicle claim with the ACA
Replacement Vehicle for No Cost
In the UK, the non-fault driver is entitled to keep a replacement vehicle without paying any cost, as the cost is recovered from the at-fault driver’s insurance.
The non-fault driver can keep this replacement vehicle until their vehicle has been repaired or they have received the compensation if the vehicle is written off.
The timeframe to settle a claim can vary from weeks to months, depending on the complications involved and if the accident was reported within 24 to 48 hours.
Types of Insurance Cover
If you are liable for the accident, you can still get a replacement vehicle according to your requirements. You need to check your insurance policy before making a compensation claim.
Following are the different types of Insurance Cover
- Comprehensive Insurance
If you have a comprehensive cover, then your insurance company will deal with your vehicle repairs. The comprehensive insurance covers your vehicle if damaged in an accident, dented by an animal, collapsed garages, or other causes.
- Third-Party Insurance
This covers the cost of vehicle damages to the driver’s vehicle, and they are liable to pay compensation for injuries caused to the other people involved in the accident.
Credit Hire Services
Replacement vehicle is provided to the non-fault drivers via the credit hire services. The hire vehicle cost will be recovered from the at-fault driver’s insurers, according to the ABI (Association of British Insurers) GTA standard replacement vehicle agreement.
Non-Fault Accident Claims
If you had an accident that is not your fault, you are eligible for a like-to-like vehicle, same day to get you back on the road and minimize your inconveniences.
Who will pay the cost of the replacement vehicle you are entitled to through a credit hire company or your insurance? The faulty driver’s insurance company will pay the cost of the replacement vehicle.
Accident Claims Assist will recover all the costs and losses from the at-fault party and will get your vehicle repaired through our approved garages.
Why Choose Accident Claims Assist?
- 24/7 Roadside Assistance
- Reliable Replacement vehicles
- Expert Claim Handlers
- Secure Vehicle Storage
- Professional Services
- Untouched Claim Bonus
- No Insurance Access
- Replacement vehicles same day
- No win, No Fee Services
- Maximum Compensation
- Fleet of insured Vehicles
- No Hidden Charges
Non-fault drivers are eligible to get replacement vehicles after a road traffic accident. The drivers are entitled to all types of replacement vehicles, from motorbikes to prestige cars, PCO vehicles or vans. When a vehicle is off the road because of the accident, they are not liable for the accident. They can claim for a like-for-like vehicle until they agree on an amount and the claim is settled.
Contact us today at 0203 642 8857 to get your like-to-like replacement vehicle at no cost.
Frequently Asked Questions
- How long can I keep the Replacement vehicle?
After a non-fault accident, the driver can use a replacement vehicle while his vehicle is being repaired or until he receives compensation.
- What to do if you are involved in a road traffic accident in the UK?
If you had a road traffic accident, it is a legal requirement to contact your insurers and inform them about the accident within 24 hours. Please provide all the details to your insurers to keep them informed.
- Can I claim on my insurance policy if I am at fault?
Yes, if you have comprehensive insurance that covers you for damage to your car if the accident was your fault.
- Does an accident in an office vehicle affect your insurance policy?
If you are involved in an accident in an office vehicle, this can affect your insurance policy.
