courtesy car after accident

Need a courtesy car after a non fault car accident. ACC provide like for like temporary courtesy car’s after a non fault car accident’s throughout the UK. Drivers involved in a non fault car accident with another correctly insured vehicle on a UK highway are entitled to a courtesy car the same size and specification to that of their own vehicle. Courtesy cars must be requested with 14 days of the accident date. Drivers are then entitled to keep the courtesy car until their vehicle damage claim is settled. The at fault driver’s insurance company are responsible to cover the cost of the courtesy vehicle.

Had a non fault car accident and need a like for like courtesy car? ACC provide post non fault accident courtesy car services nationwide. If the accident was not your fault you are entitled to a courtesy car after the accident and until your vehicle damage claim is settled. The courtesy car must be requested within 14 days of the accident. The at fault driver must be correctly insured. All costs are recovered at standard rates from the at fault drivers insurance company. Call ACC, for immediate courtesy car and vehicle damage claim assistance. Open 24 hours nationwide.

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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.

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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.

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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.

Non Fault Accident Courtesy Car Cautions

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. 

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Non Fault Accident Courtesy Car

Accident courtesy car

A non fault accident courtesy car service provides UK driver’s with a temporary replacement courtesy car after a non fault vehicle accident. 

 

So how does this type of courtesy car service work? 

Accident courtesy car service specialises in the provision of courtesy vehicles to a driver who has been involved in a non fault car accident. To access a post-accident courtesy car service certain key conditions must be met to ensure the service is suitable. The following key conditions should be applicable:

The Non-Fault Driver

  • You must be correctly licensed to drive the vehicle. 
  • You must have been correctly insured at the time of the accident.
  • Your vehicle must have been fully road legal at the time of the accident. This means your vehicle must hold a current in date MOT. It must be correctly insured and correctly taxed. 

The Fault Driver

  • The accident must have occurred in the UK and involved another correctly insured vehicle.
  • The driver of the other vehicle, known as the third party, must be held liable for the accident causation.
  • The third-party driver must be correctly insured.

Should these conditions be correctly met then a non fault accident courtesy car service should be suitable and a like for like courtesy hire car made available to you.

Non Fault Courtesy Car Companies

Non fault accident courtesy hire car companies are specialist, non fault accident only services. The basis of their service is found in a form of hire provision know vehicle credit hire. Through the use of credit hire drivers involved in a non-fault car accident can obtain a courtesy hire car after an accident. Should their vehicle be in an unroadworthy condition due to the accident damage sustained, the driver can access a non fault accident courtesy car credit hire company to obtain a like for like temporary vehicle. 

Non fault accident courtesy car credit hire companies can be accessed via various routes. You may wish to contact an independent accident courtesy car service directly like ACC. Alternatively, you can contact these services via your insurance company, the at-fault driver’s insurance company, or it’s also possible to request a courtesy car via your chosen vehicle repair garage.

If you need a courtesy car after a non fault car accident we are ready to help.

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How to get a courtesy car after a non fault accident. 

 

The process of getting a courtesy hire car after a non fault car accident is a very straightforward process thanks to credit hire. This is a form of a courtesy hire car that enables the cost of the service to be recovered directly from the at-fault driver’s insurance company, and at no cost to you or your insurance company. So how is this possible? Credit hire enables the recovery of the temporary vehicles charges using UK ‘Tort Law’, this law gives you the right to recover any reasonable loss incurred as a result of the negligence of another party. In the case of a car accident, this is the at-fault driver’s insurance company. 

Need A Courtesy Car After An Accident?

If a UK driver is involved in a non fault car accident with another correctly insured vehicle on a UK road, the non fault party is entitled to use a non fault accident courtesy car service and at no cost to them, or their insurance company. The service must be requested within 14 days of the accident date. The courtesy car remains available to the non fault driver until their own vehicle accident damage claim is settled. 

Who To Contact

The courtesy car is arranged by contacting a specialist post-accident car hire company like ACC, or any courtesy hire car company that provides credit hire services. These companies can be instructed directly by the customer or appointed via their car insurance provider. The at-fault driver, known as the third party, may hold insurance cover with an insurance company that may also provide such services. 

It is increasingly common to find third party Insurance intervention services making contact with the non-fault party directly following the accident. They can often provide direct services including courtesy hire car credit hire vehicle. Processing your vehicle claim and obtaining a courtesy hire car directly from the at-fault insurance company can be a good solution, however, there can be instances of conflicts of interest that using an independent service will avoid. 

Who pays for a courtesy vehicle after a non fault accident. 

 

In the event of a non fault vehicle accident which occurred on a UK highway with a correctly insured third party (at fault driver) courtesy vehicles are provided at no cost to the non fault party. Through a system known a credit hire, the cost of the vehicle is recovered from the liable (at fault) driver’s insurance company.  

To ensure costs are recoverable credit hire courtesy vehicle’s should only be obtained following pre service offering suitability checks. These checks include confirming a driver’s own vehicle status is all correct, the vehicle is taxed, MOTed and insured. The driver at the time of the accident held a valid driver’s licence and insurance. The accident circumstances are clearly understood and show the driver is not at fault (not liable) for the accident. The at fault driver must be correctly licensed, insured and report the accident to their insurers. 
The courtesy vehicle provided must charged at an appropriate daily rate, and the vehicle group must be comparable to that of the driver’s own damaged vehicle. 

 
For independent advice in relation to non fault accident courtesy car’s and car hire visit the UK government’s citizens advice page.
 
Courtesy car entitlement after a non fault car accident. 

 

UK drivers are entitled to a like for like courtesy car after a non fault car accident and at no cost to them. The courtesy car entitlement period covers the time taken to settle the non fault driver’s vehicle damage claim. This means the time period until their vehicle is either fully repaired and returned to them, or until their own vehicle’s write off settlement payment is made. Courtesy car entitlement claim must be made to the at-fault liable insurance company within 14 days of the accident date.

Non fault accident courtesy car entitlement is available to a non fault driver, in the event of a non fault car accident on a UK highway.

How to claim a non fault accident courtesy car. 

 

Claim a courtesy car after a non fault car accident.

There are 3 options to claim a courtesy car or hire car after a non fault car accident involving a correctly insured at-fault vehicle. 

 

  1. The direct option, contact a company like ACC. Driver’s have the freedom to appoint a service provider they consider offers them the best and most suitable service. 
  2. The second option is via your own vehicles insurance company. Most insurance companies will have a preferred courtesy car/credit hire car provider with which they benefit from a financial relationship.
  3. The third option is the at-fault driver’s insurance company, known as the third-party insurers. Many third party Insurance companies now have intervention team’s whose task is to offer post-accident car hire/ credit hire services directly to the non fault driver. Again the insurance company will benefit from a financial arrangement with a courtesy car/credit hire car company who they instruct to provide service. 
Non fault accident courtesy car companies 

 

Non fault accident courtesy car companies provide like for like courtesy cars to driver’s involved in not fault car accidents where another driver is liable for coursing the accident. Courtesy car provision is given to the not at-fault driver and the cost for the vehicle is recovered from the at-fault driver’s insurance company. 

Non fault accident courtesy car service.

 

If you need a courtesy car service following a non fault car accident we are ready to help. Contact ACC and we will set to work carrying out suitability checks followed by immediate courtesy car provision with our same day service. We can also assist with vehicle damage claims if required.

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Non Fault Accident Courtesy Car Company

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Need A Courtesy Car After A Non Fault Car Accident?

Non-fault car accident and need a replacement car? ACC are ready to help you.

We provide like for like courtesy cars after non fault car accidents. We carry out suitability checks to ensure the service is appropriate given your accident circumstances. If our service meets your requirements we immediately arrange a courtesy vehicle and begin to process your vehicle damage claim if required.

Our service is available 24 hours a day nationwide.

Open 24h Call: 0800 860 0171

How To Get A Courtesy Car After An Accident

If the accident was non your fault, you have multiple options to obtain a courtesy car. These range from independent services like ACC, to your car insurer or vehicle repair centres. This page will provide UK drivers with information relating to post-non fault accident courtesy cars and the conditions relating to each courtesy car service type.

Insurance Courtesy Cars

Your own insurance company will often provide a vehicle after a non fault accident during the period of vehicle repair, in some cases even when your vehicle is written off. (if they do not offer this service when your vehicle is written off we can help)

Courtesy Car From The At-Fault Insurance Company

The at-fault driver’s insurance company will at times be able to provide you with a courtesy car directly. Even though you may not be your insurer, as the negligent party they’re responsible to cover the cost of a courtesy vehicle. They will continue to fund the courtesy vehicle whilst your own damaged vehicle is off the road due to the accident damage sustained.

Independent Accident Courtesy Car Providers

Independent services such as ACC, can provide you with a like for like courtesy vehicle after a non fault car accident. The cost of the service is covered by the negligent parties insurance company and paid for at standard insurance approved rates. (ABI hire vehicle rates)

There are multiple advantages in appointing an independent service to provide a courtesy car and vehicle claim service. Firstly they act upon your instruction and in your best interest, ensuring that you receive all your rights and entitlements throughout the claim process. For example, they will ensure that you receive a like for like courtesy car. This means you will receive a courtesy vehicle to an equal standard to your vehicle. In relation to vehicle repairs, you have full choice of repair centre, and in the event of a total, your vehicle is valued independently. As a result, you agree the total loss value, not your insurer. 

In addition, you will have no excess to pay as no claim is processed via your insurers, and this can also protect your claims history.

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