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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.