August 2021

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How To Claim After A Non Fault Car Accident

How to claim after a non-fault car accident? Will a non-fault car accident affect my insurance? Do I have to claim through my insurance? These are the 3 most common questions drivers consider after their car is damaged in an accident. The reason people ask these questions is to discover the best vehicle claim solution that avoids; incurring costs, further inconvenience, and any negative effects to their insurance policy. So what is the answer? This page provides information about aspects of claiming after a non-fault car accident. Our objective is to provide information to enable drivers to make the correct choices and understand some of their rights and entitlements to claim after a non-fault car accident.

Quick Answers:

How to claim after a non fault car accident? Answer – Independently is one option with a direct claim against the at fault drivers insurance company. This can often be arranged via your car insurance or legal cover policy, your insurance broker or a suitably specialist solicitor or legal service. Visiting the citizens advice website can also be a helpful independent source for information on your rights and ways to claim.

Will a non fault claim effect my insurance? Answer – This can happen, even if you claim directly from the at fault drivers insurance company and did not have to use your own insurance service have apid no excess. Drivers can dispute any raise in premium related to non fault car accident, but ultimately each insurer has their own conditions so for clarification on how claims effect your policy your will need to consult your policy.

A helpful tip. Drivers can request a liability statement letter from the fault insurer stating that you are not considered negligent for the accident and liability was accepted by their insured (the at fault driver). This can help when presented your insurers.

Do I have to claim with my insurance after a non fault car accident? Answer – Most drivers will have no obligation to claim with their insurer after a non fault car accident. This does not mean to say you will not still be required to report the accident. Always check your policy for clarification.

The Most Efficient And Effective Way To Claim

How can you claim after a non-fault car accident? the answer is you have various options of service who can assist you. Your car insurance company claims service is most peoples first point of contact, you may also be able to contact the negligent parties insurance as many will offer their assistance directly to the non fault party. There are also many independent direct vehicle claim services available who may be able to help. Understanding the differences between the vehicle claim services will help you find which option is most suited to you requirements. Independent vehicle claims services should always act only upon your instruction and in your best interest, and by claiming directly from the negligent parties insurance company (the at-fault driver’s insurance) you will usually no excess to pay and you should have full control over your vehicle claim. This means you should be given the option to decide where your car is repaired rather and an insurer who at times can specify this . If your car is written off, you should be given the valuation to agree the write off value, the report is often produced by an independent engineer who ensures you’re given an accurate valuation. This can be helpful as some services will use standard book valuations.

You should also ensure which ever service you appoint offers all your entitlements are available to you without compromise. For example, a ‘like for like’ temporary replace vehicle/courtesy hire car.

No excess to pay and retain have full control over your vehicle claim

So let us go into further detail and highlight the difference in services between an insurer and an independent vehicle claim service. This will show contrast between what you are entitled to, and what some insurers will offer you. We will also explain why selecting the right vehicle repair centre can be important. Why having an independent engineer inspect your vehicle can avoid financial loss. And why you should not have to compromise over courtesy car/ hire car provision. We will also cover your some of the rights and entitlements you may have, and which laws can be used to process car accident claims and how they work.

Advantages of Claiming Directly After A Non Fault Car Accident

The following sections details each aspect of a non fault car accident vehicle claims and highlights some of the possible differences between claiming with an insurer and claiming directly or via independent vehicle claim service. We cover each aspect of the vehicle claim individually and set out some of your possible rights and entitlements of claim, and the importance of processing each head of claim correctly to help avoid financial loss or negative effects from a car accident that was not your fault. Claiming directly from the negligent parties insurance company is often an efficient and effective way to claim. The following details are listed by claim type provide giving insight into your possible entitlements.

Non Fault Accident Car Repairs

If you claiming directly with an independent vehicle claim service you should get to decide where your vehicle is repaired. This is important for many reasons. For example, vehicles often have hold manufacturer warranties which are only preserved if repairs are carried out by manufacturer-approved repair centres. There is also a similar potential issue for a driver who has purchased their vehicles through vehicle financing or lease agreements. These agreements often state that any repairs should be carried out by manufacturer-approved repair centres. Failure to do so can result in the owner becoming liable to pay for any repair work corrections required. With many insurers appointing their preferred repair centre, this may not be the best option for you as the vehicle owner. Always request your vehicle is repaired inline with your responsibilities outline in your vehicles agreements.

The next issue involves classic, performance and prestige cars.

Specialist vehicles such as classic cars, high performance or prestige vehicles often require the services of specialist repair centres to ensure the work is carried out at the correct standard and to preserve the value of the vehicle. Once again owners should always check the suggested repair centre is suitable for the repairs to their vehicle type.

Vehicle Diminution Claim

Vehicle loss of value due to repairs. Accident repaired vehicles can have their resale value affected by the repairs, for example, if a potential buyer is presented with 2 identical vehicles, yet one has undergone an accident repair, a buyer will usually select the fully original vehicle to purchase, or if not wish to pay a lower price for the accident repaired vehicle. This difference in value can be claimed for with a vehicle diminution claim, something not always considered but worthy of consideration. Which ever services is processing your vehicle claim should be able to help you with this aspect of claim.

Non Fault Accident Write off valuations

Ensure your vehicle write off value is correctly calculated to enable the replacement without sustaining financial loss. Vehicle damage claims services will often appoint vehicle engineers to help accurately value your vehicle. The engineer inspects the vehicle often in person, and produces a detailed report covering the vehicles pre-accident condition, its exact specification, age, mileage, service history, and the current market value to replace it with an identical vehicle. Vehicle claims service will than act upon your instruction and you should get to agree the report and your vehicles valuation. Some insurers and vehicle claim service now use desk engineers and standard book values which can also be a good solution and speed up the claim process. For further details on non-fault write-off claims, visit non fault accident write off claims page.

Non Fault Accident Courtesy / Hire Car Entitlement

Claiming with a vehicle claim service will often ensure you receive a ‘like for like’ courtesy hire car after an accident. Drivers are usually entitled to receive a temporary replacement vehicle of the same size, standard, and specification as that of their vehicle after a non-fault car accident. Non fault accident courtesy car services claim the cost of the vehicle from the at-fault driver’s insurance company at often standard insurance rates (ABI /GTA daily hire rates). Drivers are usually entitled to keep the temporary vehicle until their vehicle claim is settled. The entitlement is not usually affected by your damaged vehicle repair or write off status. The temporary replacement courtesy hire car usually your entitlement and claim for under Tort law. Some insurers will only provide a small repair centre courtesy car, other a similar size car to your own. However if the vehicle offered is not suitable drivers do not have to compromise. They can request to use an independent service to obtain a suitable vehicle.

Speed of service

Vehicle claim services often specialise in non fault vehicle accidents only. Because they act upon your instruction and in your best interest they must process non-fault vehicle claims as quickly and efficiently as possible. This is because as the non-fault party in the accident, their customer has a duty to mitigate their losses after the accident. To ensure the customers is mitigating losses vehicle claims must be processed quickly and without delay. As a result, vehicles are often inspected within 48 hours of instruction and vehicle status reports are produced within 24 hours of the inspection. Once the report is agreed upon by the customer, vehicle repair authority is granted as quickly as possible to the customers preferred repair centre. In the event of a write off the customers agreed write off value claim is submitted to the negligent parties insurance company including the engineer’s report and full and detailed supporting evidence of their valuation. As a result of this fast efficient process vehicles are booked in for repair quickly and write off values are agreed and submitted for settlement.

What Can I Claim For After A Non Fault Car Accident?

The following section covers the most common heads of claim you can claim for after a non-fault car accident. We provide details of each claim type, some of your possible rights, entitlements and how these claims can made. If you have been involved in a car accident that was not your fault there is a simple fixed rule to remember when considering what you can claim: Any loss that you have may have incurred as a direct result of negligent parties action is usually recoverable directly from their insurer. Drivers should try not to sustain any loss, be it physical or financial without receiving compensation of full recovery of the loss incurred. There are many services available via your insurers, the negligent insurers, Specialist solicitors, insurance brokers or others who will be able to help you process your claims.

Vehicle Damage Claims

If the car accident was not your fault you are entitled to claim for the full cost of the vehicle damage sustained in the accident. The resulting claim can be for either the full cost of repairs or should the damage have written your vehicle off, you can claim for the write off value of your vehicle. Write off value equates to the cost you will incur to purchase a replacement vehicle of the same vehicle type, specification, age, mileage and condition as that of your own written-off vehicle. It should be noted that this can be market value and not retail value. During the claim process, you may be entitled to a like for like courtesy hire car to keep you on the road until your vehicle damage claim is settled. The claim can often be made directly to the fault drivers insurer meaning there is no excess to pay or cost to your insurer.

Replacement Vehicle Claims

When your vehicle sustains damage in a non-fault car accident, an insurance company can provide you with a temporary replacement vehicle during the vehicle repair period. This may help you to get back on the road, but often the car is only a small standard group A vehicle which can be fine for some but not everyone. And if your car is then found to be a write off they will often request the car is returned. If the accident was not your fault and involved a correctly insured negligent party you can be entitled to a like for like courtesy hire car after the accident and until your claim is settled. We provide a nationwide like for like courtesy hire car service after non fault car accidents. Other services offering this service may be contacted via our insurers appointing their provider, the negligent parties insurer may have a temporary vehicle service. Or you could contact hire car companies and credit hire services for their assistance.

Types Of Replacement Car After A Car Accident

  1. Credit hire  – Credit hire is the most common form of replacement vehicle provides after a non-fault car accident. Credit hire companies services are offered by both ‘fault’ and ‘non fault’ insurers or you can go directly to a credit hire company to obtain a temporary replacement vehicle. The advantage of credit hire is that service is specifically structured to provide the non fault driver with a ‘like for like’ replacement car during the claim process. Many insurers are party to ABI standards and GTA protocols which create a framework that enables swift settlement of credit hire charges as part of the non-fault drivers uninsured losses claim. The most inportant this to consider when using credit hire services is to ensure liability is established in your favor, that all vehicles and parties involved in the accident are correctly insured. And that your vehicle claim is processed quickly without delay. You should also not have access to other vehicles. These are just some of the points to consider.
  2. Claim loss off use Loss of use claims can be made if as an alternative if a temporary replacement vehicle has not been attainable after the accident. Typically loss of use is valued at around £15+ per day. The claim is made from the day your vehicle is considered un-roadworthy and until your vehicle claim is settled, this usually will take around 2 weeks.
  3. Claim a courtesy car – The courtesy car can be provided by your insurer appointed vehicle repair centre. However, most larger accident repair centres will offer a courtesy car to secure the repair work. Courtesy cars from repair centres are usually standard small group A vehicles. They are only offered in the event your vehicle is repairable. Should it be written off the courtesy car must be returned.In this situation companies like ACC and other can often provide a non fault accident courtesy car service which ensures you receive a like for like courtesy car after the accident and until your vehicle claim is settled. This service is provided in line with your entitlements and temporary vehicle cost is claimed directly from the negligent parties insurance company. After a non fault vehicle accident courtesy vehicles can be available regardless of your vehicles repair or write off status.
  4. Claim Car Hire – Drivers involved in a non-fault car accident can hire a vehicle at a standard daily rate and claim the cost as an uninsured loss. If you wish to claim car hire charges after an accident you must ensure there are no delays to your claim. It’s your responsibility to mitigate your losses after an accident, if you wish to claim car hire charge reimbursement you must ensure the following: The daily hire car charges are reasonable. The vehicle is of the same or lesser group standard to that of your vehicle. The period of hire is kept at an absolute minimum.
Claims for Pecuniary Losses

After a non-fault car accident drivers can claim for the losses sustained as a direct result of the accident. These are known as pecuniary losses. A pecuniary loss refers to a financial loss sustained, in this case relating to your non-fault car accident. Pecuniary loss claims are made to return you to a neutral financial position as you were before the accident. The idea being that any financial loss you may have incurred as a result of the accident is claimed to recover the cost of your losses. Your insurers, solicitor or appointed claim service should be able to assist you with these claims. An example of the most common claims made are as follows:

  • Vehicle Damage (Repair Cost / Write Off Value)
  • Vehicle recovery and accident related services costs
  • Temporary transportation costs
  • Loss of earnings
  • Medical treatments and cost
  • Property damage and personal effects
  • General losses and expenses

Car Accident, Do I Have To Claim With My Insurance?

You do not usually have to claim with your car insurance. If the accident was not your fault you can claim with a vehicle claims service, via the negligent drivers insurance company directly, via your legal protection cover or through your insurance brokers services. There are many services available who will be able to assist you. Whichever service you appoint, the claim is progressed directly against the negligent parties car insurance. As a result, you have no excess to pay and there is often no costs for pursuing the claim directly. Claiming directly against the at-fault driver’s insurance company can be an efficient effective way to claim and ensure you receive all of your claim entitlements in full. Visit our car accident vehicle claim page for detail of how ACC can help with your vehicle damage only claim..

Will A Non Fault Car Accident Affect My Insurance?

If the claim is made against the fault drivers insurance company directly the claim should have may have impact upon your insurance policy but this is not always the case. Always consult your car insurance policy to clarify how your policy may be effect after you have an accident. You will often be required to report accidents regardless of liability,always seek conformation of your responsibilities from your insurers. To help avoid any negative impacts upon your car insurance after an accident, a good tip is to request a letter of liability confirmation, this can be requested from the negligent driver’s insurers. This letter should state the accident liability in writing and confirms that you were not liable for the accident. This latter can then be presented to your insurer should they increase your car insurance premium and may be of help in this situation.

Car Accident Claims And Tort Law

None fault car accident claims are often processed through the use of Tort laws. A tort is a civil wrong caused by the ‘tortfeasor’ which unfairly results in loss or harm to another. In the circumstances of a non-fault car accident, the ‘tortfeasor’ is the negligent driver who is responsible for the causation of the accident. This can make the ‘tortfeasor’ or specifically their car insurer, liable to cover the cost of the losses incurred by you, as the ‘non-fault party’ in the accident. Claims under Tort law are dealt with by the civil courts, however, the vast majority are settled out of court through mediation with the liable parties insurance company. There are 4 elements to tort law: duty, breach of duty, causation, and injury. In order to claim for the sustained losses, there must be a breach in the duty. In the instance of a car accident, the breach of duty is found in the actions of the negligent driver which as a result caused your losses.

Accident Courtesy Car (ACC) Services

Accident Courtesy Car (ACC) provides a comprehensive vehicle damage claim and courtesy hire vehicle solution if required. Our service is available to any UK driver involved in a non fault accident that resulted in loss or damage to your vehicle as a result of a correctly insured negligent party. This could mean a road traffic accident, your car is hit or damaged whilst parked.

We provide full non fault car accident vehicle claims assistance together with the guaranteed provision of a true like for like courtesy car / temporary replacement vehicle after the accident. We try to keep you in the replacement vehicle until your vehicle damage claim is settled, which can mean your car is fully repaired and returned to you. Or in the event of a write off claim, you keep the replacement vehicle until your agreed write off value is both paid out and cleared funds are available to you. Our service is nationwide. For independent car accident claim advice visit the UK Citizens Advice web page on non-fault car accident claims.

For immediate assistance contact a member of our team today.

Call: 0800 860 0171

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Call: 0800 860 0171

Car Accident Not My Fault

Had a car accident that was not your fault? Discover your vehicle claim options and how to claim most efficiently.

Non Fault Car Accidents

Car accidents are an unfortunate part of modern life, yet due to advances in vehicle safety technology, car accidents are thankfully more often an inconvenience rather than anything more serious. However, drivers are impacted due to their reliance upon their vehicles to enable them to proceed with their daily lives. Finding yourself without the use of a vehicle due to an accident can create a stressful and challenging set of problems to address.

Cost Free Help After Non Fault Car Accidents

The good news for drivers involved in ‘non fault’ road traffic accidents is there are many courtesy hire car and vehicle claim services available to resolve the situation. These services may offer an alternative vehicle claim and courtesy vehicle solution to claiming on your car insurance. Independent vehicle claim and courtesy vehicle services have quickly become the modern effective way to claim after a car accident that was not your fault.

By claiming via an independent service the ‘non-fault party often means there is no policy excess to pay. This is because when claiming directly against the negligent parties insurance company. There are other possible benefits as well, through appointing an independent vehicle claim service, they should act upon your instruction and in your best interest, as a result, this means you shoul have full control over your vehicle claim. This is important as it gives you full choice over where your vehicle is repaired, what your vehicle agreed write off value will be, and even ensures that you will receive a true like for like courtesy hire car after the accident without compromise. Independent vehicle claim services should work to protect your entitlements and help drivers avoid sustain financial loss and inconvenience.

“Note. You do not always have to claim via your car insurance if the accident was not your fault”

Non Fault Car Accident Repair Claims

An often overlooked point of note in relation to vehicle accident repairs. Vehicle owners should remember that vehicles purchased through car finance or leasing agreements, a common condition in the agreement is the vehicle must be repaired by a manufacturer approved repair centre. Repairs must be carried out to OEM standards to uphold the agreement. If this is not done vehicle owners can find themselves with an expensive surprise as they later discover they’re liable for the costs to correct any substandard repairs. Many vehicles also carry manufacturer warranties which, to enable their preservation, may require repairs bing carried out by a manufacturer approved repair centre. By claiming through an independent vehicle claim service you should be able to decide where your vehicle is repaired. 

Non Fault Write Off Claims

Should your vehicle be classed as a write-off, you should approve the vehicle write off valuation, not an insurer.

How To Claim When A Car Accident Is Not Your Fault

‘The Car Accident Was Not My Fault’

Many drivers claim the car accident ‘was not my fault’ and whilst this may be a true statement, claiming an accident is ‘not my fault’ and proving it, can be two different things. All too often we experience fault drivers firstly accepting responsibility for an accident on the scene, only to then have a change of heart after the accident. This can often happen due to the at-fault driver being advised all to dispute all claims. This is done on the basis that a percentage of the fault claims that would otherwise be paid out and settled, will then become un-resolvable liability disputes and impossible to establish liability. This is why establishing accident liability through evidence and witness statements is essential to successfully claim for a non-fault car accident. Obtaining the correct evidence and witness statements you will help protect your claims history and increase the chances of your claims success, it may also help avoid the requirement to pay a policy excess.

How Do I Prove A Car Accident Was Not My Fault?

Whilst liability may appear straightforward at the time of an accident, you must remain cautious and ensure you take steps to safeguard against any potential disputes that could arise after the event. Unfortunately all too often people experience ‘fault drivers’ changing their minds after car accidents which results them disputing liability. To avoid this situation or to win any liability challenges, taking the right steps after a non fault car accident is absolutely essential.

Following a non-fault car accident, it’s essential to gather the correct information to secure your position as the non-fault party. Regardless of how reasonable the at-fault driver may be at the accident scene, gathering the correct information and potential evidence will ensure success should the accident be disputed at a later date. Even the nicest of people change their minds when given time to reflect or most often when they’re faced with financial loss due to their potential insurance increase. To negate these situations take the following information and carry out the following actions to gather supporting evidence to clarify the accident circumstances.

Information To Take After A Non Fault Car Accident
  • Take full details of the driver of the at fault vehicle.
  • Take owner details of the at fault driver.
  • Take note of the fault drivers vehicle registration number.
  • Take Insurance Details (Insurance company name and policy number)
  • Take contact details of any witnesses
  • Take details of any possible cctv.
  • Take note of the exact time and location of the accident.
  • Take note of the circumstances.
  • Take note of any police indent reference numbers or CAD numbers
  • Take note of any attending police officers badge numbers
Evidence After The Accident
  • Report the incident to the police.
  • Take pictures of the accident locations.
  • Take pictures of the vehicles involved, including damage.
  • Take a picture of the at fault driver.
  • Take a picture of their I.D.
  • Take any available Dash-Cam footage or record to phone.
  • Take any available CCTV footage or record to phone.
  • Request the fault driver to make a written statement confirming liability and accident circumstances. Alternatively request they film a clip stating the accident circumstances and confirming liability.

Note. The minimum information required is the fault drivers registration number and ideally their name (vehicle owners name). Insurers and claims services can usually obtain full insurance details via the registration plate number, however, it’s always good to gain as much information as possible.

Take the following steps after the accident

Report the accident to your chosen vehicle claims service, ideally, you will have obtained some of the information detailed above. Vehicle claim services like ACC will then process the information and carry out liability and suitability checks. These checks will usually take around 40 minutes to process. Once completed the services are offered to resolve your situation. Many services offer a same day courtesy car often delivered to you directly. We can provide vehicle accident recovery and vehicle claims assistance. Contact our team today for assistance.

At Fault Insurers Can Reduce Claim Costs

There can be advantages to the at-fault parties insurers as when a driver claims directly against them. By claiming independently the car accident claim is made directly against them, this can result in a reduced claim cost being claimed against them. For example, due to the direct claim route, no policy excess may have needed to be paid so there maybe no excess payment claim required. The at-fault insurers can also settle claims quickly as they may have the abiblity to authorise repairs or pay write off values quickly. They may also offer a temporary replacement vehicle services.

Independent Car Accident Help

If you have had a car accident that was not your fault some great websites provide entirely independent car accident and claims advice. One of those sites is the UK citizens advice site, this page covers the topic of what to do if the accident was not your fault. It also covers available services available to non-fault drivers and how they can help.

Call: 0800 860 0171

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Replacement Motorbike After An Accident

Temporary replacement motorbikes are available after an accident or during mechanical repairs. ACC can provide a like for like replacement motorbike after a non fault accident for the rider to keep until their vehicle claim is settled. Riders may be entitled by law to receive a temporary courtesy motorbike after an accident (or a courtesy car should they not be fit to ride). This is because through the use of Tort law, the cost of the replacement motorbike can often be claimed directly from the negligent parties insurance company. ACC offer a courtesy motorbike and motorbike damage claim service which can also mean there is no excess to pay. To obtain a replacement motorbike during mechanical repair (due to mechanical breakdown of fault) most insurers or insurance-based courtesy vehicles services will not be able to help. Therefore the best way to obtain a replacement motorbike or courtesy motorbike for use during a mechanical repair is to use a manufacturer-approved repair service.

Entitlement To A Replacement Motorbike

Motorbike riders may be entitled to a courtesy motorbike or temporary replacement motorbike after an accident. The entitlement is often the right of any person involved in a non-fault road accident. The temporary replacement motorbike entitlement is for a comparable motorbike to the riders own motorbike. This is often referred to as a ‘like for like’ courtesy motorbike meaning the bike will be of the same size and type as the riders own motorbike. This includes everything from a 50cc scooter to high-performance motorbikes. ACC offer a comprehensive temporary replacement hire bike / courtesy motorbike service. We also process motorbike damage claim assistance.

“ACC offer a comprehensive creplacement courtesy motorbike service”

Replacement Motorbikes Claims

Replacement motorbike claims are made following non-fault road accidents. The claim is presented to the negligent parties insurer and forms part of the loss claim. Motorcyclists may have the right to claim a temporary replacement motorbike after their accident at no cost to their insurance company. The claim is classed as an uninsured loss as the cost of a courtesy motorbike insurance cover, however, a courtesy motorbike or temporary replacement vehicle cost is usually a justified recoverable loss. This is because if the rider has no other means of transport, the at-fault parties insurance company are responsible to cover the reasonable cost of a temporary replacement vehicle after the accident and until the motorbike claim is settled. The claim is often processed through the use of Tort law, which states any loss or damage incurred as a result of the negligence of another person is recoverable. In practice, the claim is presented to the fault drivers vehicle insurance. The cost of the replacement motorbike is often inline with riders own vehicle type through the use of GTA motorbike daily hire rates. Each motorbike has a corresponding hire group, with each group allocated with a set daily rate. Courtesy motorbike providers offer riders a temporary replacement motorbike and the daily rate is claimed from the at-fault parties insurance company, usually in line with the standard GTA rate.

“Motorcyclists may have the right to claim a temporary replacement motorbike after their accident”

How To Claim A Replacement Motorbike After An Accident

To claim a replacement motorbike after an accident riders can contact ACC, your insurers, legal cover or a suitable vehicle claim service for immediate assistance. We offer a full motorbike damage claim solution and include the provision of a like for like courtesy hire motorbike during the process. Many providers are availble who will offer these services as well. To claim for a temporary replacement motorbike call our team today, they will be happy to run through your potential option and may be able to offer a temporary vehicle solution. Once we establish the service suitability through our liability check we arrange a replacement motorbike to meet the riders exact requirement. The temporary motorbike is delivered directly to the rider fully insured and ready for use. The rider will usually keep the motorbike until their vehicle claim is settled. ACC offer a stand-alone courtesy motorbike service to provide a courtesy motorbike only whilst an insurer processes the vehicle claim. However, we also offer motorbike accident damage claim assistance which is a may be alternative to claiming vehicle damage with your insurance company. The benefits of claiming with ACC is often you will not have any excess to pay and we give you full control over your motorbike damage claim. This means you have full choice of repair centre, and you agree the motorbikes write off value should be considered a total loss, not an insurer. For immediate assistance please call ACC today or visit our courtesy motorbike and vehicle claim page for further information. 

Replacement Motorbike Write Off Claims

If your motorbike has been written off you can claim for the cost of a replacement motorbike if the accident was either not your fault, or if you hold fully comprehensive insurance cover. At ACC we can help claim the replacement motorbike loss cost. We help you claim your motorbike pre-accident value directly from the negligent parties insurance company.

“We can help you claim your motorbikes pre-accident value directly from the negligent parties insurance company”

Your motorbike is fully accessed by an appointed independent vehicle engineer and a detailed valuation report is produced. The report details your motorbike considered a pre-accident condition, age, service history. The engineer carries out a current market appraisal and a write off value is produced for your consideration and approval. The purpose of the detailed report is to ensure you receive an accurate motorbike valuation which will ensure you can replace our motorbike without sustaining a financial loss. Once you agree upon the motorbikes write off value, we submit the report to the at-fault parties insurance company and pursue its swift settlement. ACC can help to provide an independent expert vehicle damage claim service with the added convenience of receiving a guaranteed courtesy hire motorbike during the motorbike claim process.

Call: 0800 860 0171

Independent Motorbike Accident Insurance Claims

For independent motorbike accident insurance claims and details of replacement vehicle services visit the UK Citizens Advice page in relation to vehicle claims.

Replacement Motorbike After An Accident Read More »

Call: 0800 860 0171

Replacement Car After An Accident

Drivers are often entitled to a replacement car after an accident dependent upon two key elements, accident liability and insurance policy type.

Accident Liability

Let us begin with the topic of accident liability. If the accident was considered ‘non fault’ drivers are often entitled to a replacement car after an accident and it can be obtained via multiple service providers. For example; the driver’s insurer, the at-fault driver’s insurer, legal cover products, vehicle repair centres, independent vehicle claim and courtesy car companies like ACC, and credit hire companies and others. If the accident was considered to be a ‘fault accident’ i.e the driver is liable for the accident, then a courtesy car is often only available from their insurer or vehicle repair centre. This can be further limited as often a courtesy car is only available if the vehicle is considered repairable. Always check with your insurers or temporary vehicle provider.

Insurance policy type

Entitlement to a courtesy car after an accident can be defined by the insurance policy type. Insurance companies typically offer courtesy car provision included in most policies. Courtesy car entitlement in comprehensive policies usually offer a courtesy car in the event the vehicle is repairable. If the vehicle is written off provision may only available if the accident was not the driver’s fault. For third party insured drivers, a courtesy car will usually be provided if the accident was non-fault, with vehicle repair of write off status not being a factor. With so many insurance products now available drivers should always consult their policies and research their options to obtain a temporary vehicle.

Courtesy Car Entitlement For All Drivers

An often unknown fact is that regardless of your car insurance cover type, i.e fully comprehensive or third party, all drivers can be entitled to a courtesy hire car after an accident if it was not their fault. In the event of a non fault car accident which involved a correctly insured and traced ‘at fault’ driver, the ‘non fault’ driver can be entitled to receive a like for like courtesy hire car. The entitlement can proceed from the date their vehicle is considered un-roadworthy due to the accident. The potential courtesy car entitlement may then continues until their vehicle damage claim is settled. The entitlement is dependent upon the accident circumstances and those of the individual driver.

Courtesy Car Entitlement Regardless Of Insurance Cover Type

Drivers involved in non fault car accidents can be entitled to receive a courtesy hire car after the accident, they may be able to keep it until their vehicle claim is settled. The vehicles cost may be claimed through the use of Tort law. The claim is usually directed to the negligent parties insurance company who can be responsible to cover the reasonable cost of a temporary replacement vehicle during the claim process. The negligent drivers insurer can be liable to provide, or cover the cost of a vehicle of a comparable standard to that of your vehicle.

Insurance Courtesy Car After an Accident

The insurance courtesy car provided after an accident can be available to any driver who has an accident with another correctly insured vehicle on a UK road. The negligent party, and more specifically their car insurer, will either provide or cover the cost of a temporary car after the accident. Drivers may obtain a temporary vehicle via the use of a credit hire company or post non fault accident courtesy car services.

Who Pays For A Replacement Car After An Accident?

After car accidents, replacement cars are often paid for by insurance companies. Establishing which insurance company will pay for the replacement car usually comes down to accident liability. In the event of a ‘fault’ accident, a temporary replacement car is typically paid for by the claiming against a comprehensive insurance policy. Usually, a policy excess is paid to access the temporary courtesy hire car service. Fault claims usually result in an unrecoverable loss to the insurer. In the event of a ‘non fault’ accident, the temporary replacement car costs are usually recovered by the means of a direct claim (using Tort law). The claim is submitted to the liable parties insurance company, no excess may be required to be paid due to it being a direct claim. The liable insurer is often responsible to cover the cost of the temporary car until the associated non-fault vehicle damage claim is settled. For clarification on your entitlements and terms of courtesy car services always check with insurance policies.

Car Replacement After A Write Off

When a car is written off, fully comprehensive drivers, or any driver involved in a non-fault car accident, can usually expect an insurer to replace their vehicle. A vehicle loss claim is submitted to either the comprehensive policy if the claim is a ‘fault claim’, or in the event of a non-fault accident, the claim is submitted to the negligent parties insurance company. The resulting replacement vehicle claim has 2 aspects. Firstly the claim can trigger the provision of a temporary replacement courtesy car, and secondly the claim for the replacement cost of the written-off vehicle. The provision of a temporary courtesy car or hire car keeps the driver on the road during the vehicle claim process. The vehicle claim process time frame is typically in the region of 14-21 days to complete. The process involves the inspection and detailed valuation of the damaged vehicle and assessment of the current market value. The objective being to enable the vehicle owner to replace their vehicle with a comparable vehicle without sustaining any financial loss.

ACC Can Help You Today

If you need a replacement car after an accident that was not your fault we may be able to help you. ACC provide a temporary ‘like for like’ vehicle until your vehicle claim is settled. We usually claim the costs directly from the at-fault driver’s insurance company and we can also help you process your vehicle damage claim should you not wish to claim via your insurance company. By claiming directly you may have no excess to pay. Contact a member of the team for immediate assistance. For independent advice of vehicle accidents claims and temporary vehicles visit the Citizens Advice page.

Call: 0800 860 0171

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Insurance Courtesy Cars

Insurance courtesy cars, companies provide courtesy cars when a drivers own vehicle is off the road due to accident damage.

Courtesy cars are often available in the event of both fault accidents and non fault accidents. The liability status of an accident influences the type of courtesy vehicle provided. Below you will find details of available courtesy car services for both drivers involved in fault and non fault car accidents. 

The circumstances of a car accident, and specifically liability can be the deciding factors in relation to insurance company courtesy car provision.


Insurance Courtesy Car After An Accident

Insurance courtesy cars after accidents often have different entitlement conditions to when a vehicle is stolen, or off the road due to mechanical fault. If a driver is involved in a car accident they will often find courtesy car entitlement is defined by 3 key elements; accident liability, vehicle repair status, and insurance product type. ACC can provide a courtesy vehicle after any non fault vehicle accident involving a traced and correctly insured at-fault driver.

Insurance Courtesy Cars For Fault Accidents

If a driver is at fault for an accident, they will often only be entitled to a standard ‘group A’ (small car) courtesy car. They will usually only be provided with the car in the event their vehicle is repairable, once the insurer’s assessment of the damaged vehicle states it as a write off the courtesy car must be returned or paid for at an agreed daily rate.

Fault Accident Possible Courtesy Car Providers:

  • Your Car Insurance Company (Fully Comp Only)
  • Vehicle Accident Repair Centre
  • Drivers Club Memberships
  • Vehicle Manufacturer After Sales Products

Insurance Courtesy Cars For Non Fault Accidents

If the driver was not at fault for the accident they may be entitled to receive a like for like courtesy car. The possible courtesy car entitlement often continues from the point a vehicle is made un-roadworthy due to the accident damage sustained. The entitlement usually remains until either the accident damaged vehicle is fully repaired, or its write off value is paid out. 

Drivers may not always need to use an insurance companies preferred service provider and should not be pressured into doing so. As a consumer having suffered damage to their property, you usually have the right to appoint any repair/claim service to assist you. This is because the claim is usually made directly to that at-fault driver’s car insurance company, therefore drivers can select any suitable service provider. The focus should be upon ensuring; your vehicle is repaired to the correct manufacturer standard. The write off valuation accurately reflects the current market replacement value. A suitable like for like temporary courtesy car is provide.

If you need an independent courtesy car / hire car service contact ACC

Non Fault Accident Courtesy Car Possible Providers:

  • Non Fault Accident Courtesy Car Service
  • Independent Vehicle Claim Service
  • Credit Hire Companies
  • Insurance Appointed Accident Repair Centres
  • Car Hire Companies
  • Insurers
  • Legal Cover Productions
  • Drivers Clubs
  • Vehicle After Sales Services

Courtesy Car Entitlement Defined By Car Repair Status

Courtesy cars are often available after car accidents but are subject to your vehicles repair status. For example, if your vehicle is repairable, courtesy cars are often available from your insurance company, vehicle accident repair centres, independent vehicle claims companies, credit hire providers and even the at-fault drivers insurance company. In the event of your vehicle being written off, a courtesy car is often only available if the accident was not your fault.

Insurance Courtesy Car Like For Like Entitlement

Insurance courtesy car and like for like replacement vehicles are often available to drivers who are not at fault for the accident. As the non-fault party in the accident drivers can claim the cost of a like for like courtesy car directly from the at-fault parties insurance company. The temporary vehicle should be of a comparable type to your vehicle, meaning a vehicle of the same size, standard and specification as that of your own vehicle.

Vehicle Claims And Courtesy Car

If you need a courtesy car or vehicle damage claim service after an accident contact ACC. We provide a full nationwide service that’s open 7 days a week.

Independent Advice

For independent advice about courtesy cars, credit hire and car accident claim service visit the UK government Citizens Advice Page. This page explains in detail the options drivers have after non-fault car accidents and which services are available to them.

Call: 0800 860 0171

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