Non Fault Accident Courtesy Car Service Consumer Advice
Non fault accident courtesy car services offer an alternative vehicle claim and courtesy vehicle solution to drivers involved in a non fault car accident. Many drivers are unaware that they do not have to claim via their car insurance policy in the event of a non-fault accident. UK drivers are entitled to claim directly from the at-fault parties insurance company at no cost, non fault accident courtesy car companies can process the direct claim and provide a courtesy vehicle throughout the entire vehicle claim process.
Whilst claiming directly can offer a convenient solution for many UK drivers, some circumstances make a non fault accident courtesy car service unsuitable. Below you will find details when these services are not appropriate and should be avoided.
Had A Non Fault Car Accident?
- Courtesy Cars After Accidents
- Car Accident Vehicle Claims
- No Cost Service
- UK Nationwide Service
- Helpline Open 24 hour
Reasons A Non Fault Accident Courtesy Car Service May Not Suitable
If you have access to another vehicle at no cost, accepting a courtesy car or credit hire vehicle is not advisable. This is because the cost of the courtesy car must be recovered from the at-fault driver’s insurance company. Whist the negligent parties insurance company are liable to cover temporary replacement vehicle cost, the non fault party has a duty to mitigate their losses. If a driver has access to a cost-free temporary vehicle after an accident it must be used. Failure to mitigate will result in recoverable temporary vehicle costs.
However, if a driver’s second vehicle is a classic car, specialist high-performance vehicle, or simply a vehicle entirely unsuitable for their daily tasks, accepting a temporary courtesy car or credit hire vehicle may be a viable option.
Be Aware Of Your Responsibility To Mitigate Cost After An Accident. Avoid Prolonged Or Unnecessary Courtesy Car Or Hire Car Provision
Good non fault accident courtesy car companies will work quickly and efficiently to resolve and settle your vehicle damage claim. This is important as it reduces the period of a courtesy car or credit hire car provision which reduces claim costs. Drivers must mitigate their losses after an accident by ensuring that all costs are kept to a minimum. Whilst reasonable costs for justifiable services are recoverable from the at-fault driver’s insurance company, any inflated costs, or for example, prolonged periods of car hire/courtesy car provision will not be.
To avoid problems in the recovery of temporary vehicle costs appoint a non fault accident courtesy car provider who works to ABI standards and GTA protocols. In doing so, drivers can be reassured that all daily vehicle rates will be bill within the ABI rate framework which most UK insurers adhere to.
Drivers should also progress their vehicle claim without delay, drivers must try to settle their vehicle damage claim at the earliest opportunity. Avoiding delay’s will ensure the negligent parties insurance company are in a position to settle the claim quickly.
Key points:
- Appoint a ABI/GTA compliant courtesy car company
- Avoid unnecessary services offerings
- Do not delay your vehicle damage claim
Simple Rules To Ensure Your Courtesy Car And Vehicle Damage Claim Run Smoothly
Non fault accident courtesy car companies must work with the at-fault driver’s insurance company to settle your vehicle damage claim as quickly as possible. This means they must work with whoever is processing your vehicle damage claim, to ensure the process is progressing as quickly as is possible. Many non fault courtesy car companies will process your vehicle damage claim as part of their in house service. This can offer a great cost-free claim solution when managed correctly. Follow these helpful rules to ensure your vehicle claim runs smoothly:
- Ensure your damaged vehicle is inspected within 48 hours of instruction of service. Or if the at-fault driver’s insurance company wish to carry out the inspection that your vehicle is made available for them to inspect at their earliest opportunity.
- Agree on vehicle write off valuations within 3 days of the offer. (This gives time to dispute and inaccurate valuation)
- Vehicle inspection reports should be submitted to the negligent parties insurance company within 5 days of your receipt
- Vehicle repairs should be booked in at the earliest opportunity at a repair centre of your choice, not an insurer. This gives you greater control over the repair process and the ability to chase up repairs.
For independent consumer advice in relation to vehicle insurance claims and information about courtesy car and credit hire services, visit this link to the UK citizens advice page.
- Courtesy Cars After Accidents
- Car Accident Vehicle Claims
- No Cost Service
- UK Nationwide Service
- Helpline Open 24 hour
Had A Non Fault Car Accident?
Vehicle Claim & Like For Like
Courtesy Car Service
Need Help After A Non Fault Car Accident?
ACC Provide Courtesy Car And Vehicle Damage Claim Service After Non Fault Car Accidents