In an ideal world, the aftermath of a non-fault road traffic accident would be straightforward. Your car would be fixed, you would be given a courtesy car to keep you mobile and you wouldn’t have to pay a penny.
Unfortunately, this isn’t always the case. Every day I seem to get asked “How will I get to work?” or “How will I take my kids to school?”. Life doesn’t grind to halt just because you have been in an accident and we know this can be worrying.
Insurance companies can be pro-active and sort everything very quickly, or you may have comprehensive insurance with courtesy car cover. But there are times when this doesn’t happen – you may only have third-party cover, you may not qualify for a courtesy car due to having points on your licence or perhaps you can’t afford to pay your excess. We also sometimes see people struggle to obtain a courtesy car if they need specific equipment such as hand controls, a tow bar or even 7-seat vehicles.
In cases such as these you do have options to get mobile again. There are companies out there who can provide victims of non-fault accidents with temporary replacement vehicles without any payment up front. This is called ‘Credit Hire’ and it can enable you to get back on the road and carry on with your day-to-day life with minimal disruption.
Although the charges would ultimately be in your name, they would be recovered from the fault insurers in the first instance, as part of your claim. Here at Express Solicitors, we can help you with that.
Credit Hire vehicles are typically more expensive than if you were to pay up-front to hire from a high street company because the hire company will have to wait for their bill to be paid. Within reason, you must do your best to keep these charges as low as possible. We can provide advice specific to your situation, but generally speaking you should make sure you only choose the type of vehicle you need and keep it for as short a period as possible.
I must offer a word of caution; you must make sure you assist the hire company and your legal representative in recovering any charges. If you do not assist them, you may be in breach of the agreement.
Here at Express Solicitors we understand that this may seem daunting at first, but rest assured that we have years of experience dealing with claims such as this and are happy to advise you on how best to proceed. We may even be able to recommend a hire company. Just remember, our number one priority is to get you back to the position you were in before the accident.