How To Get A Courtesy Car After An Accident
How To Get A Courtesy Car After An Accident
When UK drivers are involved in car accidents one of their first concerns is getting a courtesy car after the accident. Most of us are dependent upon our cars for daily tasks, commuting, family duties and school runs, so suddenly being left without a car can quickly create a challenge. Thankfully through the use of non-fault accident courtesy car service, drivers involved in non-fault car accidents have access to a simple cost-free solution. For drivers involved in accidents that are at fault for the accident, many car insurers now provide a courtesy car during the vehicle repair period or with the correct policy cover, even during a vehicle write off claim.
Non Fault Car Accident? How To Get A Courtesy Car
This page provides UK drivers with full details of how to get a courtesy car after an accident. We will cover both courtesy car provision for fault drivers and non-fault drivers. After car accidents, courtesy car service availability is related to a driver liability status. Drivers considered to be not at fault for the accident have many more courtesy car options open to them. This is because as the non-fault party, all costs incurred, including the cost of courtesy cars, are fully recoverable from the negligent parties insurance company. In contrast to this, drivers who are responsible for the accident are limited to obtaining a courtesy car from their car insurer should that have appropriate cover.
Getting A Courtesy Car After A Non Fault Car Accident
For drivers involved in non-fault car accidents getting a courtesy car is quite a simple task. Due to the accident not being their fault, non-fault drivers are entitled to claim the cost of a courtesy car or temporary vehicle until the negligent party settles the vehicle damage claim. This means that a UK driver involved in a non-fault car accident with a correctly insured third party vehicle can claim a courtesy car at no cost to them. Non-fault accident courtesy car companies provide the non-fault driver with a courtesy car, the cost of the courtesy car is claimed back directly from the fault drivers insurance company. As a result, the non-fault driver can receive a courtesy car after their accident safe in the knowledge the costs are being claimed back on their behalf.
Courtesy car and credit hire vehicle costs are calculated at a daily rate through the ABI – GTA hire vehicle rate system. This system provides a standardised daily rate system that is categorized by vehicle group. All vehicles have an allocated group, and these groups define the driver’s entitlement to a corresponding courtesy vehicle type/specification. Put simply, drivers are entitled to receive a ‘like for like’ courtesy car which means a courtesy car comparable in size, standard and specification to their vehicle.
To get a courtesy car after a non-fault car accident contact ACC, we provide a dull post-non fault accident courtesy car and vehicle claim service. When can provide a courtesy car only service and a courtesy car and vehicle claim service. We work to meet drivers requirements and offer a same day service to quickly get drivers back on the road in the correct courtesy vehicle.
Getting a courtesy car after a fault car accident
Fully Comp Drivers
For UK drivers involved in fault car accidents, getting a courtesy car often comes down to their car insurance, and specifically their insurance cover type. For drivers with fully comprehensive car insurance a courtesy car is usually available should the driver’s damaged vehicle be classed as repairable. If their vehicle is a write-off, no courtesy car is usually offered. Driver’s should contact refer to their car insurance policies or contact their insurers for clarification of courtesy vehicle entitlement.
Third Party Drivers
For third party insured drivers, no courtesy car service is usually offered by their car insurer. This is because their insurance policy only covers third party liability, the damage to others property or person. As such, courtesy car provision will not usually be available to the third party insured drivers if the accident is their fault. However courtesy car cover can be added to car insurance policies and or before the even courtesy car cover may have been purchased as an additional policy benefit, drivers should check their policies of contact their insurance company for confirmation.
Independent Advice
For further information about insurance courtesy car rules and services visit the UK citizens advice page on the subject. This is a highly informative page and offers truly independent consumer advice to help drivers understand their vehicle claim and courtesy vehicle option.
Other useful pages to visit include the ABI (Association of British Insurers) and the GTA- credit hire page. These websites offer specific detail concerning credit hire and courtesy vehicles after road traffic accidents. Alternatively please visit our insurance courtesy car page and find out if ACC can assist you with a courtesy car after an accident. Or one of the links below to find more information about our courtesy car services.