Non Fault Accident Car Repair

non fault accident.jpgWhen you're involved in a non-fault car accident, it can be difficult to decide how best to proceed. Your first instinct might be to contact your insurance company and have them deal with everything on your behalf.

And while it can be reassuring to know that the cost of your car repair is covered, it can also be frustrating when the process is completed and you realise that you not only have to pay your excess, but you have also lost those precious years of accumulated no claims bonus.

But there is an alternative in the form of a credit hire company who will be able to take care of everything, hassle-free.

What Is a Credit Hire Company?

Rather than claiming on your insurance policy, you can use a credit hire company if you are involved in a non-fault accident. These independent companies will meet the cost of vehicle replacement and also pay the costs of your car repair. They then simply reclaim all these costs directly from the insurance company of the driver who is at fault.

Not only does this mean that you protect your excess and no claims bonus status, but you also have the use of a like-for-like car rather than just a courtesy car. In the event of your car being written off entirely, you could have the use of the hire car not just until your claim is paid, but also for the following five days.

What Do I Tell My Insurance Company?

As the victim of a non-fault accident, you don't need to tell your own insurance company anything if you decide to use a credit hire company. Simply provide the hire company with your insurance policy details and they will take care of all the tiresome paperwork, leaving you free to get on with your life. Give them as much information as you can: if anything is missing, they will make any necessary enquiries for you.

What Can I Do If the Driver at Fault Refuses to Pay?

car accident no claims.jpgAgain, do nothing. As long as you have been entirely honest about the circumstances of the accident and you have co-operated with your hire company, they won't pursue you for any costs that the other driver refuses to pay. In the event of the other driver being uninsured, they can still help you, by recovering your costs from the Motorists' Insurance Bureau, an organisation that exists purely for the purpose of compensating innocent drivers who have been unfortunate enough to be hit by an uninsured driver.

Will It Cost Me Anything?

Not usually, no. The credit hire company normally provide insurance cover for the hire vehicle, but there are occasions when you will need to arrange this for yourself. Some hire companies also ask you to make a small deposit or credit card swipe in case of any damage to the vehicle or fuel charges. The hire vehicle is delivered to you wherever you are in mainland UK, and it's collected again when your situation is resolved. The costs of this are recovered from the driver at fault.

Is There Anything Else I Need to Know?

It's always a good idea to check the small print before you sign a legal agreement. This should detail the daily cost of hire, together with the cost to you if you don't provide correct information, if you mislead the company or if you cause delays. You also sign to agree that any costs will be in your name, in case the other driver's insurance company takes the credit hire company to court if they think the costs of car hire and car repair are unreasonably high.

Dent Zap Non Fault Accident Glasgow

If you are involved in a car accident that isn’t your fault, Dent Zap will be able to help. Our team will make sure the process is hassle-free by providing a courtesy care, ensuring your no claims bonus is unaffected, removing your insurance excess and dealing with any personal injury claims that you are more than likely to have. For more information, visit our Non-Fault Accident page or get in touch: 0333 002 0128.

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Insurance & Non Fault
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