Responsive - Reliable - National
Courtesy Cars And Vehicle Accident Claims
Keeping UK Drivers On The Road Since 2001
- No Excess To Pay
- Like For Like Courtesy Vehicles
- Accident - Vehicle Claims
- Repair - Write Off Claims
- Vehicle Accident Recovery
- Open 24hr 7 Days A Week
- Standard Vehicles
- Prestige Vehicles
- Performance Vehicles
- Vans & Commercials
- Motorbikes & Scooters
- Taxi's & Plated Vehicles
Non Fault Car Accident Courtesy Cars And Vehicle Claims
Non Fault Accident Courtesy Car And Vehicle Claims Assistance
Accident Courtesy Car
Courtesy Car & Vehicle Claims
Accident Courtesy Car provides a same day ‘like for like’ courtesy car and vehicle accident claim service after a non-fault road traffic accident.
No Excess
Our service is available throughout the UK, 24 hours a day. The service offers you an alternative route to claim after a non-fault car accident. You do not have to pay any policy excess or claim on your policy. The claim is processed directly to the at-fault driver’s insurance company, so no cost to your insurance company. We work to ABI/GTA protocols (link to GTA page) and standards, ensuring the quality of service is guaranteed to our customers. Note, most insurance companies will offer a similar service, and this may include the at-fault drivers insurance company in addition to your own. So, whilst we remain ready to assist you, we always suggest that you research your options to find the best service solution given your individual circumstances.
National
The Accident Courtesy Car service gives you a no-cost option that protects your claims history. Providing full vehicle claim support and a courtesy car after the non-fault accident. Full nationwide service throughout the UK, with a regional branch network enabling swift service delivery. Courtesy vehicles are provided directly to you for use until your vehicle claim is settled. We act upon your instruction and in your best interest ensuring that you receive your full claim entitlements without compromise. Note, most insurers will provide a similar service, so always consider all options before deciding upon which is most suited to your circumstances.
Leading Service
Accident Courtesy Car is one of the UK’s leading non-fault accident courtesy car and vehicle claim companies. If you need assistance after a non-fault car accident, contact a member of our team today.
Had A Non Fault Car Accident?
Vehicle Claim & Like For Like
Courtesy Car Service
- Courtesy Cars After Accidents
- Car Accident Vehicle Claims
- No Excess To Pay
- UK Nationwide Service
- Helpline Open 24 hour
Car Accident?
Need A Courtesy Car & Vehicle Claim Service?
Car Accident Damage Claims
Our non-fault accident vehicle damage claim service gives you a no-cost alternative to claiming with your car insurance company. We offer vehicle damage claims for both total loss vehicles, (vehicle write off’s) and vehicle damage repairs. We also offer loss recovery services to claim for any of the financial losses you may have sustained as a result of the accident. Need assistance after a non-fault car accident? we are ready to help.
After a non-fault car accident, you are entitled to claim: loss of earnings, property damage and personal effects, travel expenses, medical treatment, general losses. You can also claim for sustained injuries, this can now be processed directly via the MIB claim portal system (Link to MIB claim portal Page), or you may wish to contact a solicitor for claim assistance. Regardless of your claim type ACC will ensure you receive a suitable courtesy car during the claim process and until your vehicle claim is settled.
Claim Directly From Fault Vehicles Insurer
Claims are made directly from the at-fault driver’s insurance company. This helps to protect your claims history and preserve your no claims discount. We do not involve your insurance company, claims are made directly to the at-fault driver’s insurance company. As a result, our service is provided at no cost to your insurance company. The costs are recovered directly from the at-fault driver’s insurance company at standard ABI rates and following GTA protocols. You have no excess to pay as no claim is made upon your policy. (This does not mean claims should not be reported to an insurer. Always view your policy for clarification to ensure to adhere to your policy responsibilities)
Claiming directly from the at-fault insurance company is very often the most efficient way to claim after a non-fault car accident. Always consider all your options, and whilst we are ready to assist, many insurance companies, including your own insurers and potentially the insurer of the negligent driver, will also offer a great service and happily assist you in claiming your losses. They may also provide temporary courtesy car and hire car services in addition.
We Act Upon You Instruction
We act upon your instruction and in your best interest, not the instruction of an insurance companies. This is important as unlike many vehicle claim services, we give you full control over your vehicle claim whilst working to reduce claim costs. We give you full control of all aspects of your claim, this includes: selection of courtesy vehicle type, approval of vehicle write off valuation and choice of the vehicle repair centre. By prioritising our customers’ interests we ensure the right outcome for our customers. We always suggest all customers consider all available route to claim their vehicle loss and obtain a temporary vehicle, their own insurance company will often provide these services and will process everything quickly and efficiently.
Your Choice
With ACC, you have full choice to select the vehicle accident repair centre appointed to carry out your vehicle accident repairs. Should your vehicle be classed as a total loss write off, you approve the vehicle’s valuation, not your insurance company. This means we only progress your vehicle loss claim once you’re happy with the vehicle valuation. This is important because should your vehicle be a write off in an accident, the driver should not sustain financial loss as a result. When claiming your vehicle loss with ACC you also have the option to retain a written-off vehicle. This can be useful, especially for an older vehicle, should you wish to repair it again (vehicle loss category dependent).
By progressing your vehicle claim with ACC, the vehicle remains your property throughout the entire process. However, always consider your own vehicle insurance companies vehicle claim and hire services as often they can provide a similar service and in many cases an equally efficient service.
Non Fault Accident
Courtesy Car Specialists
Accident Courtesy Car
- The UK's First Choice -
Non Fault Car Accident?
We Are Ready To Help
Non-Fault Car Accident Courtesy Car
If your vehicle is not roadworthy due to the accident damage sustained we can provide a like for like courtesy vehicle immediately. With our non-fault accident courtesy car service, you will keep the courtesy car until such time your vehicle is fully repaired and returned to you. Alternatively, should your vehicle be considered a write-off, you will keep the courtesy car until such time that you have received cleared funds for your vehicle pre-accident write-off value.
Like For Like Courtesy Cars
Courtesy cars are provided after non-fault car accidents on a like for like basis. This means the courtesy car will be of the same standard, size, and specification as that of your vehicle. Courtesy cars are also delivered directly to you with fully comprehensive insurance cover. Should your own insurer not be offering a suitable temporary vehicle we may be able to assist you.
24h National Post-Accident Courtesy Cars
Our non-fault accident courtesy car service is available nationwide 24 hours a day, seven days a week. We remain ready to help whenever you require our assistance.
Vehicle Accident Claims
Want To Protect Your Insurance Or Simply Claim Independently?
We Can Help You Today
When you instruct ACC to process your vehicle damage claim we are ready to help immediately. We provide a full vehicle claims service if you do not wish to claim against your insurance policy. We arrange everything required to process your vehicle claim quickly, efficiently and always in your best interest. From vehicle recovery to full vehicle repairs (You have the option to appoint a repair centre of your choice), write off claims and general loss, our on-call service is ready to help. Many insurers offer the same services, but should you find your insurer has not been able to assist we are ready to help.
Write Off Claims
In the event your car is considered a write off we arrange an independent vehicle engineer inspection to assess the damage to your vehicle. A detailed report is produced and we then agree on the accurate pre-accident write off value with you. Once agreed, we immediately seek recovery of your write off value directly from the at-fault driver’s insurance company. You can be confident you will receive the correct vehicle valuation as our appointed engineers take into account all aspects of your vehicle; age, mileage, specification and condition together with current market conditions for your vehicle type. A detailed report is produced referencing values of comparable vehicles to ensure you receive the correct settlement, not simply an estimated book value.
Accurate Write Off Valuation
There are clear benefits when using our vehicle claim service. By not working from standard book values or carrying out remote desk top vehicle assessments we can assess vehicles in greater detail. We take time to produce detailed accurate vehicle valuation reports following your vehicles on-site in person inspection. The resulting report reflects the vehicles actual condition, combined with real market values, your vehicle correct valuation should enable you to purchase the same vehicle following the accident without sustaining any financial loss. Most car insurers follow the same process, however should you not wish to use your insurance companies service we’re ready to help.
No Excess To Pay
You do not have to pay an insurance excess, this is because under UK ‘Tort Law’ we claim directly from the at-fault driver’s insurer. This also can help to protect your claims history as no claim is made against your car insurance. It should be noted that often your own car insurers can present the vehicle claim directly to the at fault insurers, or you may be able to contact the negligent drivers insurance directly for assistance. So, whilst we remain ready to help, always do your research to find the service most suited to your requirements. (Assess you policy for clarification on your obligations to report a vehicle accidents, some insurers require all incidents are reported, some may only require fault accidents be reported)
Who Pays For The Service?
The cost of our services is claimed from the at-fault drivers insurer. This is due to UK ‘Tort Law’, which enables the recovery of all your losses and costs incurred as a result of a third parties negligence. These losses and costs are recovered directly from their insurance company. As a result, the vehicle claim and courtesy hire car service is provided at no cost to your insurance. Full terms of and conditions of service are presented following the assessment of service suitability and upon instruction of service provider.
Non-Fault Accident Courtesy Car Entitlement
With our non-fault accident courtesy car service, we assess your courtesy hire car entitlement eligibility and offer service accordingly. If you need a courtesy car after the accident we are ready to help.
It is important to establish the non-fault accident courtesy car service is the right choice for you. This is established by assessing the accident circumstances, liability, and individual circumstances. You are entitled to a courtesy car after an accident if; 1. Your vehicle is no longer in road-legal condition as a result of the accident damage. 2. You do not have access to another suitable vehicle.
Non-Fault Courtesy Car And Vehicle Claim Service
With our fast efficient service, we endeavor to process vehicle damage claims quickly and efficiently. This helps to produce savings for insurers and reduce the time stress and hassle to customers. Our non-fault accident services specialise in temporary replacement courtesy hire cars and vehicle damage claims. We are available throughout the UK, and we’re open 24 hours a day. If you need help after a non-fault accident our team are ready to assist you.
Need A Courtesy Car Or Vehicle Claim? Request A Call Back
National Courtesy Car & Vehicle Claim Service
National post-non fault accident courtesy car and vehicle claims services. Had a non-fault car accident? We are ready to help today. Full UK availability with like for like courtesy vehicles delivered directly to you.
Priority Courtesy Car Service – Vehicle Claims – Vehicle Recovery -Manufacturer Approved Repair Network.
Need A Courtesy Car Or Vehicle Claims Service After An Accident? ACC Can Help You Today.
- No Excess To Pay
- Like For Like Courtesy Vehicles
- Accident - Vehicle Claims
- Repair - Write Off Claims
- Vehicle Accident Recovery
- Open 7 Days A Week
- Standard Vehicles
- Prestige Vehicles
- Performance Vehicles
- Vans & Commercials
- Motorbikes & Scooters
- Taxi's & Plated Vehicles
Accident Courtesy Car Service
Non-Fault Courtesy Car Service
ACC provides non-fault car hire services throughout the UK. Our nationally recognised brand comes with over 20 years of experience in providing support following non-fault car accidents. We understand the importance of a ‘like-for-like’ courtesy hire car following a crash. That’s why with our non-fault accident courtesy car service, we provide the exact courtesy vehicle type you need. With Accident Courtesy Car you don’t have to compromise, we provide the right courtesy car type to meet your requirement. Note, many insurers, including those of the negligent driver, will offer the same services. So whilst we remain ready to help, always research all of your options to find the most suitable service solution.
Courtesy Car After An Accident
After a non-fault car accident, courtesy cars are essential to enable drivers to continue with their daily tasks. Obtaining the right courtesy car after an accident helps drivers continue their daily routine and avoids further inconvenience. This is why our service remains continually ready to assist UK drivers 24-7.
Whilst obtaining a like for like courtesy car is often a drivers first priority, it’s equally important to ensure that vehicle claims are processed without delay as well. Processing the vehicle damage claim quickly facilitates a seamless courtesy car provision experience. This is why our vehicle damage claims services, including vehicle repairs and write off loss recovery services, are ready to help progress your vehicle damage claim to ensure seamless non-fault car hire/courtesy hire car experience avoiding any gap in vehicle provision.
Open 24-7
Our services are available to any UK driver involved in a non-fault road traffic accident. We reclaim the costs directly from the at-fault driver’s insurance company. ACC provide non-fault accident car hire/vehicle claim services nationwide (including Scotland & Northern Ireland) 24 hours a day, 7 days a week.
Priority Same Day Courtesy Car
In the event of a non-fault road traffic accident Accident Courtesy Car, are ready with an immediate courtesy car to get you back on the road without delay. With our priority non-fault accident courtesy car same day service, we are ready to help you today. Note, many insurers, including those of the negligent driver, will often provider similar services. Whilst we remain ready to help, we suggest you always research your options for temporary vehicle to find the most suitable solutions.
Car Accident Vehicle Claims
Had A Non-Fault Car Accident? Need To Claim?
We provide you with an alternative claim route to claiming with your car insurance company. The advantages of claiming with our service are many, for example. When claiming with Accident Courtesy Car, you have no excess to pay, no claim is made via your insurance, all your losses are claimed directly from the at-fault driver’s insurance company, you retain full control over your vehicle claim, your vehicle remains your property throughout the process, meaning you can keep your vehicle even if written off (category dependent). A guaranteed courtesy car / hire car is provided throughout the entire vehicle claim process. Because our service claims directly from the third party driver’s insurance company, you may help protect your claim history. No claim is processed via your insurance.
We act in your best interest and upon your instruction
We act in your best interest and upon your instruction, not the instruction of an insurance company. As a result, you benefit from having full control over your vehicle claim. This ensures that you not only receive an accurate settlement if your vehicle is written off, but also gives you full choice over who repairs your vehicle.
This can be especially important should your vehicle hold warranties or have been purchased through a finance or leasing agreement. To preserve warranties and uphold finance terms, you are often responsible to ensure vehicle repair standards are met. A common condition is that all vehicle repairs are carried out by manufacturer-approved repair centres only. This critical condition is often overlooked following an accident resulting in the owner experiencing expensive repercussions at a later date. Put simply, substandard accident repairs or inaccurate write off valuation must be avoided, we safeguard against this by ensuring repairs are carried out at main dealer manufacturer approved garages and write off values are independently assess and agreed with vehicle owners directly.
Guaranteed Courtesy Car After An Accident
During the vehicle claim process, we provide guaranteed courtesy cars and give you a full choice of courtesy vehicles to select from. With Accident Courtesy Car, you will receive a ‘like for like’ courtesy car after the accident, meaning a vehicle of the same size, specification as that of your vehicle. You keep the courtesy hire car until your vehicle is fully repaired and returned to you, or you will keep the courtesy vehicle until your vehicle write off claim is settle and the write off value is paid out. If your insurer has not been able to assist you we are ready to help.
Non Fault Accident Courtesy Car Questions?
Courtesy Car Entitlement After An Accident
If the accident was not your fault you will be entitled to a like for like courtesy car after the accident.
Regardless of your level of insurance cover, third party or fully comp, if the car accident was not your fault you are entitled to a courtesy car until your vehicle claim is settled.
We can provide you with courtesy car / hire car service, we ensure you will receive a suitable like for like courtesy car after the accident and until your vehicle claim is settled. Simply contact a member of the team today we are ready to help. Note, your car insurer, and those of the negligent driver, may also offer these service. So whilst we remain ready to help, always research your options to find the most suitable service.
Who Pays For A Courtesy Hire Car After An Accident
After a non-fault car accident, we can provide you with a like for like courtesy car or hire vehicle at no cost to your insurance company. The at-fault drivers insurance company cover the cost of the vehicle until your vehicle claim is settled. Following assessment of your accident circumstances and service suitability checks, full terms and conditions are presented to you prior to instruction.
How Long Do I Keep A Courtesy Car After An Accident?
You will keep the post non-fault accident courtesy car until your vehicle claim is settled.
This means should your vehicle be repairable you will keep the courtesy car until your car accident repairs are completed, and the vehicle returned to you.
Should Your vehicle of been written off you will keep the courtesy car until your vehicle claim is settled and you have received cleared payment of your vehicle settlement.
What Courtesy Hire Car Do I Get After An Accident?
You will receive a like for like courtesy vehicle. The courtesy vehicle is of the same size, specification and vehicle group as that of your vehicle.
We have an expansive fleet from small standard cars to prestige, performance vehicles. We also provide motorcycles, commercial vehicles and vans. We can often provide a badge for badge courtesy vehicle for brand consistency and your convenience.
Yes, we cover all of the UK including all of Scotland and Northern Ireland.
Courtesy Vehicles Are delivered directly to your registered home address or place of work.
No, all courtesy vehicles are delivered to your registered home address or place of work.
We offer a same day service with courtesy car delivery direct to you between 6:30 am and 8pm Monday to Friday, we offer a weekend service 7:30 am to 3pm
Who Insures A Courtesy Car After An Accident?
Our post non-fault car accident courtesy car service vehicles are delivered fully insured. Our policy can also mirror your vehicles insurance policy meaning named drivers on your vehicle policy can be added to the courtesy cars policy.
If you have access to another vehicle at no cost to you.
There are various reasons a non-fault accident courtesy car service may not be appropriate for you.
If you have a second car registered in your name.
If you have access to another vehicle at no cost or especially if the vehicle is registered in your name you should first consider using that vehicle as an option before accepting a courtesy car. This is because the cost of the courtesy car must be recovered from the at-fault driver’s insurance company, they are liable to pay for the courtesy car but only if the courtesy car is a necessity.
However, if your second vehicle is a classic car, performance vehicle or a vehicle entirely unsuitable for your daily vehicle need, it can be accepting a courtesy car is the right option given the cost or unsuitable for the task your second vehicle offers.
If you have no clear need for a vehicle.
If may sound obvious but if you do not need a courtesy vehicle during the time your vehicle claim is being processed do not accept one just because it’s been offered. This could be because you are away during this period, or if you are injured or unfit to drive as a result of the accident.
If you can comfortably afford to purchase a new vehicle should your vehicle be a total loss.
If you have the means to purchase a new vehicle to replace your written off vehicle this would often be expected to be done. This ensures you mitigate costs incurred after a non-fault car accident.
If you are unsure if a non fault accident courtesy car service is suitable giving your situation simply contact a member of our team.
Circumstances
If the accident circumstance are in dispute or there are any questions over the validity of any parties insurance. Or you are potentially liable for the accident.
Non-fault accident courtesy car services are available to any licensed UK driver that has been involved in a non-fault car accident on a UK road. Their vehicle must have been fully road legal at the time of the accident, this means the vehicle must hold valid road tax, MOT and be correctly insured. The At-fault driver must be correctly insured on their vehicle and liable for the causation of the road traffic accident.
Should these conditions be me non-fault accident courtesy car /hire car services will be available and offer most drivers a no-cost alternative service to their own vehicle’s insurance company.
The non-fault accident courtesy car service provides drivers with a ‘like for like’ courtesy car after the accident, and the option to claim for vehicle damages and general losses at no cost. This is possible as the at-fault driver’s insurance company is responsible to cover the cost of all reasonable losses incurred as a result of their insured driver’s negligence. This includes the cost of a courtesy vehicle / hire vehicle of the same size, specification and (ABI / GTA group) standard of their vehicle.
Non-Fault Accident Courtesy Car Companies
Non-fault accident courtesy car companies supply a courtesy car to drivers involved in non-fault car accidents. Drivers are entitled to keep the courtesy car until their vehicle claim is settled. Courtesy car can also actually be courtesy hire cars, or credit hire cars. The type of vehicle provided will be dependent upon the service provider. For example, vehicle repair body centres, manufacturer approved agents often provide courtesy cars, as do many insurance appointed vehicle body repair centres. However, in addition to this, they can be courtesy hire vehicles and chargeable. This is often were credit hire vehicle services are found. In the event of a non fault accident the charges are claim from the negligent drivers insurance company. In the event of a fault accident, some drivers may benefit from a guaranteed hire vehicle, and their own insurers will cover the cost of a hire car for usually a set period of time
At ACC, we always make customers aware of the type of temporary vehicle we intend to provide and outline to customers exactly how the cost, if applicable, is to be recovered and who is responsible. Copies of agreements and terms and conditions are also always present to customers prior to instruction of service.
Who Can Claim A Courtesy Hire Car After An Accident?
The owner of the vehicle damaged as a result of a non-fault car accident is entitled to claim a courtesy car. However, any named driver on the damaged vehicles insurance policy is entitled to use the courtesy car and will be insured on the same.
After a non-fault accident, the vehicle owner is entitled to a courtesy car until their vehicle claim is settled or the vehicle is repaired.
The vehicle owner does not need to have been driving at the time of the accident.
Courtesy cars are supplied fully insured, any accident involving a courtesy car must be reported immediately. There may be an excess to pay the amount of which will be stated on the courtesy hire car agreement.
In the event of a non-fault accident in a courtesy car, all costs are recovered directly from the at-fault driver’s insurance company.
What Is The Difference Between A Courtesy Car And A Credit Hire Courtesy Hire Car?
Courtesy cars are often provided by a garage of vehicle body repair centre for their customers use during the period of the damaged vehicle repair. These courtesy vehicles are usually small standard group vehicles and are only available if the repair is carried out at the provider’s vehicle repair centre. However, we can obtain a like for like courtesy car in some cases, especially when we use main dealer manufacturer approved repair centres.
Credit hire courtesy cars are provided on a like for like basis (the same size, specification and group to that of your vehicle) and the cost of the vehicle is recovered directly from the at-fault driver’s insurance company at standard ABI rates. You are entitled to a credit hire courtesy car after a non-fault accident at no cost to your insurance company. This type of courtesy hire car is provided to the non fault driver and the cost of the vehicle is claimed from the negligent drivers insurance company.
Credit hire courtesy cars enable you to obtain the correct courtesy car type (it can also be a useful way to enable you to be able to select the repair centre of your choosing) You’re entitled to a credit hire courtesy car regardless of your vehicles repair or total loss status, or your own vehicles level of insurance cover. If your vehicle is not in roadworthy condition due to a non fault vehicle accident involving a correctly insured negligent party then a credit hire courtesy car service may be suitable. Always read the terms of conditions of any courtesy car or credit hire courtesy car offered to you to ensure its suitable given your circumstances.
Because claiming for a courtesy car after a non-fault car accident ensures that you will receive a suitable courtesy car, you will keep the courtesy car until your vehicle claim is settled. Claiming for a courtesy car is a simple process and is your entitlement should that accident have not been your fault.
The courtesy car cost is claimed directly from the fault drivers insurance company at no cost to you.
If you need a like for like courtesy car after a non-fault car accident claiming your courtesy car is a quick and simple process, speak to a member of our team to find out further details.
Vehicle Accident Claim Questions:
Do I Have To Claim With My Insurance Company After An Accident?
If the accident was not your fault and involved another insured vehicle then it’s usually entirely your choice. You do not have to claim with your insurance company.
Claiming your vehicle damage with an independent service like Accident Courtesy Car can often be the more cost-efficient choice. However, most insurance companies, including those of the negligent driver, will often offer an excellent level of service which will include the provision of a temporary vehicle. So always consider your options to find your best solution that meets your requirements.
No, this is one of the many advantages of claiming through our service, or claiming via the third party route.
So how does this work? We claim directly from the at-fault driver’s insurance company, therefore your own insurance company is not involved in the processing of the claim.
As there is no claim being made against your insurance policy, therefore you do not have to pay your excess.
Note, your own insurer may be able to offer the same direct to the third party claim route service, and potentially with no excess payment requirement. For clarification we always suggest you check your insurance policy to fully understand their processes and your entitlements.
Most car accident claims are settled within 4 weeks, but this can be as quickly as a matter of days.
If liability is agreed or if the accident circumstances show that you are clearly not at fault, most insurance companies will work swiftly to settle the claim as quickly as possible.
Costs are usually recovered from the at-fault driver’s insurance company at ABI agreed rates. This includes any loss you incur as a direct result of the non-fault car accident. For example, vehicle recovery, vehicle repairs, general losses, cost of the courtesy vehicle / hire vehicle loss of use of a vehicle to name a few. If you are claiming after a non-fault vehicle accident, we may assist with a temporary vehicle and assist with your vehicle damage and vehicle related matters.
For other aspects of claim drivers can contact their insurers, any legal cover policies they may have. Sometimes the negligent drivers insurance offer assistance to the non fault driver directly and this can include aspects of claim assistance. Drivers can also look to contact solicitors for their help. A good resource of information can also be the citizens advice website, their site outlines ways to claim for courtesy car and vehicle claims after an accident. It also provides useful consumer advice around related matters like credit hire.
You must hold a full UK drivers licence and be 17+ years of age. (Circumstances and suitability checks permitting)
You have total control over your vehicle claim when claiming with us. We often recommend you consider a manufacturer approved repair centre, this is purely to ensure any warranties your vehicle may hold are preserved. However, it is entirely your choice who repairs your vehicle. Simply inform your case handler who you wish to appoint and we will arrange the rest.
You will need to check your insurance policy wording to find out. Some will require that you report any accident, both fault and non-fault, others will require only fault accidents to be reported. You will usually have up to 21 days from the incident date in which to report the accident accordingly, but check your policy for clarification.
If you are not claiming against your policy yet are required to report all accidents, ensure to report the accident for information purposes only. A letter confirming liability can be obtained from the at-fault driver’s insurance company stating that their insured driver is liable for the accident. This can be presented to your insurance company as liability confirmation.
If in any doubt always contact your insurance company for clarification as not reporting an accident could create indemnity issues or result in a policy cancellation.
Can I Use Accident Courtesy Car Claim Service If I Am Fully Comp Insured?
Yes, you do not have to claim with your fully comprehensive insurer. It is often a better option to claim with our service as you have full control over your vehicle claim, choice or repair centre, write off valuation and the vehicle can remain your property if you wish to retain it should it be written off. You will also be assured to receive a like for like a courtesy vehicle at no cost to you during the entire vehicle claim process, regardless of your vehicle repair or write off status.
No claim is made against your policy and no excess is required. Claiming independently can be the best choice for both qualities of service and settlement results.
Can I Use A Non-Fault Accident Courtesy Car Service If I Am Third Party Insured?
Yes, you will find claiming with our service is the best option for drivers with Third Party Insurance policies. This is because we offer you a fully comprehensive service at no cost to you.
We will arrange a like for like courtesy vehicle whilst your vehicle is off the road.
We will arrange all services you require, from accident recovery, vehicle repair at a garage of your choice, vehicle write off claim with vehicle valuations agreed by you, and claim any losses you may have incurred as a result of the accident.
The service is provided at no cost to you as the at-fault driver’s insurance company are responsible for the cost.
Simply make a quick call to our 24-hour service team and we will do the rest. You can also use our live chat, request a callback or send us an email.
Our team are ready to help you today.
Simply call a member of our team and we will go over the accident circumstance with you.
You will have various options for the injury claim processing after a non-fault car accident.
Your insurance company can be a good place to start and maybe the most cost-effective option. There are also services provided by the MIB (Motor Insurance Bureau) providing a direct cost-free claim service.
You may also have a legal expenses product that includes a claim service. For example, it can be included in drivers club memberships, recovery and breakdown services, union memberships or other vehicle or financial related products you may have.
You can also contact any suitably specialist solicitor who will often be happy to assist you.
The key elements to consider when selecting a service provider is their expertise in your case type, and the associated costs you will have to pay for their service. These can vary from no cost implication if, for example, a suitable insurance product is in place. To costs being a percentage of settlements plus other fees or a standard flat cost. The terms, conditions and costs of these services evolve over time. There are often changes in policies and associated laws, so always check in detail to ensure you select the correct expert service for your circumstances. Always gain clarity over costs before you proceed with your chosen provider. A good independent source of information relation to these matters in the citizens advice website. This is general information only, we do not advise in relation to this type of service.
Claiming A Courtesy Hire Car After A Non-Fault Accident
Claiming for a courtesy car after a non-fault car accident is a simple process. This is because it is your right to claim the cost of a courtesy car directly from the at-fault parties insurance company in the event of a non-fault car accident. It remains the negligent parties responsibility to cover the reasonable cost of a courtesy car after the accident and until they have settled your vehicle damage claim.
The claim is made following UK ‘Tort Law’ entitles people to claim compensation for harm to their health, property, and economic interests. This includes the cost of a courtesy car or hire car of the same size, specification and standard as that of your vehicle. The ABI (Association of British insurers) hire rates and the general trading agreement protocol (GTA) outlines the system in which courtesy hire car costs are recovered at pre-agreed ABI standard insurance car hire rates.
This means that drivers involved in non-fault car accidents on UK roads involving a correctly insured third party can usually be assured they are entitled to a courtesy car with costs recoverable from the negligent parties insurance company.
There are multiple services who may assist you with obtaining a temporary vehicle after a non fault vehicle accident involving a correctly insured negligent driver. These may be via an independent service like ACC, your insurance company or that of the negligent party. Vehicle repair centre. In addition vehicle main dealers and manufacturer approved body repair centres may also assist. Other options will no doubt be available in addition to these.
Accident Courtesy Car requires customers to hold a full driving license. We can provide a temporary courtesy hire car to anyone aged between 17 and 85 years of age with more than 3 months of driving experience. Post-accident car hire vehicles are provided fully insured.
Vehicle Claims & Courtesy Cars After Non-Fault Car Accidents
Driving on the road will always contain an element of risky to the road user, thankfully with ever-advancing vehicle safety technology the risks are increasingly and rapidly being mitigated, however, car accidents remain an unfortunate everyday occurrence. From small bumps in car parks to major road traffic accidents, regardless of how cautious a driver you may be, we cannot always avoid irresponsible or even the simple mistakes of other road users. Ultimately we cannot always avoid car accidents that result from another drivers actions, we can, however, avoid the resulting potential costs, losses and inconvenience from being incurred.
Know Your Rights & Entitlements
Drivers must know their rights and entitlements after a non-fault car accident. By understanding the car accident claim process, together with having knowledge of your rights and entitlements to claim, will ensure that the non-fault car accident claim process is carried out correctly and in the most efficient way possible.
The foundation of a non-fault car accident claim is found in English “Tort Law,” the loss sustained by a claimant, either physical or financial, due to a civil wrong of the third party. A claimant can file legal liability to the at-fault party. This means the claimant (the non-fault party) may recover any accident-related loss they may have sustained as a direct result of the negligent party. Essentially this means in the event of a non-fault car accident, the at-fault party / their insurer, must pay for the claimants sustained losses. Note, most insurers, including those of the negligent driver, will offer similar and often excellent services. So, as we remain ready to help, we always you consider all your options to find the most suitable solution.
Car Accident Claims
Car accident claims are directed to the liable parties insurance after a non-fault car accident. The most common claims made after a car accident are for vehicle damage and general loss. However, as the non-fault party in a car accident, you’re entitled to claim for any direct loss incurred as a result of the accident. For detailed claims it’s good to contact your insurers, your legal expenses if you benefit from this, or contact a solicitor.
Vehicle Damage Claims
You can claim for the vehicle damage loss sustained to your vehicle. This can be in the form of either vehicle repair costs, or a claim for the vehicle pre-accident write off value.
Courtesy Car Claims
When your vehicle sustains damage as a result of a non-fault car accident, often car insurance companies can provide a temporary replacement car for use while your vehicle is being repaired (or they write off value is being claimed). This helps drivers to get back on the road and provides a short term solution. As previously covered, under the principle of Tort Law, it is your right to claim for any loss incurred as a direct result of the accident, this includes the cost of a temporary replacement courtesy hire car. The entitlement to like for like courtesy hire car, meaning a vehicle of the same size and specification as that of your vehicle. It remains your right to keep the vehicle until your vehicle claim is settled.
Temporary Replacement Vehicles
Temporary replacement vehicles come in two forms: Standard group courtesy cars, often provided by your own insurance company or their appointed vehicle repair centre. These vehicles are often small-group vehicles. Often they are only available if your vehicle is repairable, in the event of a total loss they may be given the vehicle for a limited time period, Typically 7 days. Drivers should note, however, that regardless of their insurance companies courtesy car provision policy, they remain legally entitled to a like for like courtesy hire car after the accident and until their vehicle claim is settled. This is at the cost of the fault drivers insurance.
This entitlement is facilitated by both insurance companies and direct courtesy hire car providers like Accident Courtesy Car, often through the use of Credit Hire. An insurance company, be it your insurer, or the third parties, often use a credit hire company (or standard hire car company) to provide a courtesy hire car on a like for like basis after the accident. Drivers can also go directly to a credit hire company to obtain a suitable courtesy hire car after the accident. Regardless of which route is taken to instruct the credit hire company, costs are recovered and paid for by the at-fault car insurer at a standard ABI rate in line with GTA protocols. Most car insurance companies will offer these service, both your insurers and those of the negligent driver, so always research all your options to find the most suitable solution.
Services Summary
In summary, through the use of a credit hire company providing a courtesy hire car service, you can claim for a temporary replacement car, paid for by the fault drivers insurer, until your vehicle claim is settled. The at-fault insurer remains liable to cover the temporary replacement vehicle cost until your vehicle is repaired and returned to you ready for use, or until you have received cleared funds in relation to your vehicle write off claim.
Vehicle Loss Claims
The second claim type is a Pecuniary loss. This relates to any financial loss you have sustained as a direct result of the non-fault car accident. The objective of these claims is to ensure you suffer no financial loss as a result of the accident. These are some examples of the most common of the heads of claim:
- Property Damage & Loss
- Vehicle Damage & Loss
- General expenses
- Loss of earnings
- Travel expenses
- Medical costs
You cannot always avoid car accidents, but through the use of the correct non-fault accident courtesy car and vehicle claim service, you can be protected from loss and inconvenience. If you file a legal liability loss claim to the at-fault driver’s insurance company, you can claim for a pecuniary loss, financial loss directly at no cost to you. You can claim for temporary replacement courtesy hire car through the use of credit hire. The vehicle can be provided by your insurer, the at-fault insurer or an independent courtesy hire car provider.
If you require any assistance in relation to vehicle claims or non-fault accident courtesy hire car services contact a member of our team. Alternative options to pursue vehicle accident related claims maybe the following service. Your insurance company or any legal protection type polices you may have. The negligent drivers insurer are sometimes able to help directly. The use of a solicitor or claims service. A good resource of inform relating to these maters the citizens advice website.
Non Fault Accident Courtesy Car Service
How To Get A Courtesy Car After A Non Fault Accident
Courtesy Car & Claim Service
