Non Fault Accident
You’ve had an accident.
It wasn’t your fault.
You need a non fault accident courtesy car.
Unfortunately, when you go to your insurer, it’s not always just THAT straight forward.
Complex insurance policies can make it confusing as to whether you’ll receive a non fault accident courtesy car.
Insurers aren’t always as transparent as we’d like them to be. Understanding whether or not you’re entitled to a non fault accident courtesy car is dependant on your insurers terms and conditions.
You can save yourself the worry and hassle by working with an Accident Management Company.
Providing that the accident wasn’t your fault, we can provide you with an accident replacement hire car, which will be a comparable replacement to your own vehicle. At no cost to you.
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Non fault accident courtesy car for unroadworthy vehicles.
The need for a courtesy car when your vehicle is unroadworthy.
If the collision of a car accident causes significant damage to a vehicle, it’s likely to result in the vehicle being unfit to drive on the road. The vehicle will likely require accident recovery, but then the driver is stuck without a vehicle.
A driver with an unroadworthy vehicle needs a non fault accident courtesy car as soon as possible after the non-fault accident. They also need a courtesy for the entire time they are left without their own vehicle. Depending on the circumstances, this amount of time can differ, sometimes extending to longer period of time.
To be without a replacement vehicle during that time can cause a significant impact on someones life.
The problem is… a non fault accident courtesy car from your insurance company is not guaranteed.
Understanding insurance courtesy car coverage for unroadworthy vehicles.
Insurer policies are complex and they all differ from insurer-to-insurer.
However, they do not all provide a courtesy car to their policy holders after a non fault accident.
It depends on a few factors, including: The driver’s policy, the insurer’s terms & conditions, vehicle repair time and also the insurance courtesy car availability.
Although a driver is left without their vehicle during it’s off the road, insurers do not guarantee a replacement vehicle.
Availability of an insurance courtesy car for unroadworthy drivers.
One of the most common reasons that a driver will be left without a courtesy car after a non-fault accident is due to the ‘availability’ of insurer-provided courtesy cars.
For some driver’s, their insurer fails to provide a courtesy car at the very start of the process. A driver is inconvenienced from the get-go and left waiting. Sometimes, they then don’t receive one at all for the duration.
For others, a courtesy car is initially provided, but is then taken away during the process as a result of their claim or repair duration; leaving people inconvenienced and suddenly without.
Don’t chance being left without if your
vehicle is unroadworthy.
As an accident claims management service, we provide and guarantee comparable replacement vehicles from when the accident happens, for the entire duration that you are without your vehicle. Best of all, there is no cost to you for the service.
Non fault accident courtesy car for roadworthy vehicles.
The need for a courtesy car when your vehicle is roadworthy.
Unlike with a vehicle that’s unroadworthy, a driver of a roadworthy vehicle will usually continue to use their vehicle day-to-day after the accident. The damage is usually less severe and any repairs primarily consist of bodywork and paint (Circumstance depending).
So, after an accident, driver’s with roadworthy vehicles don’t need a courtesy car right away. However, they do eventually need a non fault accident courtesy car when it’s time for their vehicle to be repaired.
Insurance companies only work with insurer-approved repair garage’s. Insurer-approved garages commonly don’t guarantee the same level of repair standards that BSI Kitemark accredited garages promise; like our accident repair centres do.
Understanding insurance courtesy car coverage for roadworthy vehicles.
In the case where a driver’s vehicle is roadworthy, some insurance companies will still provide an non fault accident courtesy car. However, this won’t be immediately.
Instead, it will be only for the duration that the driver is left without the vehicle. For a roadworthy vehicle, this is while it goes in for it’s repair.
Receiving the courtesy car, however, is highly dependant on: The driver’s policy, the insurers terms and conditions, but also the availability of their accident courtesy cars.
If the driver is lucky enough to receive the courtesy car while your car is being repaired, the vehicle will not match the spec of your own vehicle. An insurer’s courtesy car is typically a lower-end, basic replacement. This may cause disruption to your daily routines and requirements.
Availability of an insurance courtesy car for roadworthy drivers.
Insurance companies won’t guarantee driver’s a courtesy car, primarily due to availability.
Driver’s with roadworthy vehicles are able to continue, mostly, as normal. They are also able to drive to the repair garage when it’s time for their repair. Therefore, the most common scenario is that it is the repair garage who will supply their courtesy car.
The insurer-approved garages are usually in contract with the insurer, and are structured to deal with high quantities of repairs to meet demand. This affects the availability of courtesy cars.
Repair garages have a limited number of courtesy cars and they tend to be booked up prior to the repair. This can leave drivers left without during the repair.
In some circumstances, the insurance companies will directly offer to provide a courtesy car via a delivery and collect service. However, insurers tend to provide courtesy cars to driver’s with unroadworthy vehicles, over roadworthy vehicles.
Don’t chance being left without if your vehicle while yours is being repaired.
As an accident claims management service, we help driver’s with roadworthy vehicles after an accident. Starting with their non fault claim, and ensuring that they aren’t left without a comparable replacement while theirs is off the road being repaired. Best of all, there is no cost to you.
Your options after a Non Fault Accident.
Choose an accident management company instead of your own insurance.
It doesn’t matter whether your vehicle is unroadworthy or roadworthy after a non fault accident.
Some people don’t realise that there is a better alternative, providing the accident wasn’t your fault.
Compare the difference between a Hire Car and an Insurer's Courtesy Car:
- Provided by an independent Credit Hire Company
- You’ll receive a comparable replacement to your vehicle
- All costs are covered by the at-fault driver’s insurance policy
- Available for the entire duration that your vehicle is off the road
- Manufacturer-approved parts and paint used during the repairs
- Provided by your own insurer against your own policy
- You’ll receive a small, basic courtesy car
- Your insurer will hold your policy liable until the claim is determined
- The courtesy car might not be available throughout, if at all!
- Insurer-approved garages are established for cost-effective repairs
Professional accident advice, support and start-to-finish claims management.
Dedicated Claims Handler.
At Auto Claims Assist, you’ll have a dedicated claims handler who will handle your claim from start to finish. You won’t have to repeat yourself or be passed around to different people.
Experts in non fault accident claims.
Our non-fault experts have over 30 years of experience in the complexities of Accident Management and Non Fault Claims. When you choose Auto Claims Assist, you’re choosing peace of mind.
Your claim, managed for you.
Our dedicated claims handlers will work with you to gather all of the necessary information, and they will negotiate with the insurance companies on your behalf. We will also arrange for your car to be repaired or replaced, and we will keep you updated on the progress of your claim every step of the way.
Speak to us about a comparable replacement vehicle.
(Instead of a non-fault accident courtesy car!)
If you’ve had an accident that wasn’t your fault, don’t make the mistake of calling your own insurance company first.
- Our new claims team will take some initial details about yourself, the accident and the circumstances.
- We will begin the non fault claims process, while our fleet team organises a comparable replacement hire vehicle to be delivered to you ASAP.
- We’ll organise for your vehicle to be repaired, negotiate with the other driver’s insurers, and conclude your claim - ensuring that all costs are covered.
Frequently asked courtesy car questions.
A courtesy car is a vehicle provided by a garage or insurance company to a client whose own car is undergoing repairs or service, possibly from a non-fault accident.
A courtesy car is intended to minimise the inconvenience caused to the client due to the temporary unavailability of their own vehicle.
The provision of a courtesy car depends on the policies of the respective garage or insurance company, and may come with specific terms and conditions, such as: Mileage limits, restrictions on who can drive the car, and limited availability.
Eligibility for a courtesy car often depends on the terms and conditions set by the garage or insurance company providing the service.
If you’ve been in an accident and your car is being repaired, you may be eligible if you have a policy that includes a courtesy car provision. A driver would need to check with their insurance policy or ask their insurer to understand if they’re eligible and what conditions may apply.
Keep in mind that you usually need to have a valid driver’s license and meet any age and driving experience requirements set by the insurance company or garage.
Whereas, if a driver has a non-fault accident; they are eligible for a like-for-like replacement hire car through credit hire at no cost to them, because all costs are claimed back from the at-fault driver’s insurance policy.
After a non-fault accident, a driver would typically obtain a courtesy car by contacting their own insurance company and requesting one.
However, to obtain the insurers courtesy car, the driver would need to initiate a pending claim on their own policy, putting their own policy at risk of being affected and having to pay their own excess.
The duration for which you can use a courtesy car largely depends on the policy of the insurance company, garage, or dealership providing it.
In theory, you can use the courtesy car for the entire period your own vehicle is being serviced or repaired.
However, there might be a maximum limit set by the provider, especially in the case of extensive repairs that take longer than expected.
For insurance-related courtesy cars, the duration might also be linked to the time it takes to settle a claim. Some policies will allow you to use the courtesy car until your own vehicle is repaired and returned to you, or until an insurance payout is made if your car is deemed a total loss.
However, due to availability, this is not always the case.
It’s important to clarify the terms and conditions before you take possession of a courtesy car. Make sure you understand when the car must be returned and what happens if your vehicle’s repairs take longer than initially expected.
The most beneficial non fault accident option for a vehicle, while yours is off the road, would be a credit hire car.
This provides you with a like-for-like vehicle
Whether or not you need to pay for a courtesy car depends on the policies of the garage, dealership, or insurance company, but also depends on how you acquire the vehicle.
In many cases, the use of a courtesy car is a free service provided while your own vehicle is being repaired.
However, you are generally responsible for the cost of fuel used during your use of the car, and you may also be responsible for any tolls, parking fees, or fines incurred.
In some cases, there may be a daily fee or other charges associated with the use of the courtesy car. These fees should be outlined clearly by the provider before you accept the use of the car.
Also, you might be held responsible for any damage that occurs to the courtesy car while it’s in your possession, outside of normal wear and tear.
If you’ve had an accident that wasn’t your fault, and choose to use a Credit Hire Car; there will not be a cost to you for using this. Instead, the associated costs are covered by the claim against the at-fault driver’s insurance policy.