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Vehicle insurance if the accident wasn&39t your fault – Citizens Advice

if the accident was not your fault

If the accident was not your fault, you can use a credit rental company instead of filing a claim through your insurance company. A credit rental company pays the cost for you to rent a replacement vehicle while yours is being repaired, and pays for the cost of the repairs. the company then claims these costs from the insurance company of the other driver who was at fault for the accident.

why would you use a credit rental company?

If you use a credit rental company, you will not have to pay the excess of your policy. the credit rental company contacts your insurance company and provides you with replacement transportation. They may also offer services to arrange repairs and help claim compensation for other injuries or losses from the accident.

Reading: How to claim back excess car insurance

Your insurance company will need to know about the accident for their information, even if you don’t claim through them. the rental credit company may offer to contact your insurance company for you, or ask you to let them know.

What should I keep in mind if I use a credit rental company?

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Be sure to read the fine print before signing up to use a credit rental company. There should be details in the agreement about the cost of the rental car per day. They will also include an amount indicating what you will have to pay if you do not cooperate with the company or mislead them in any way.

Some credit rental companies may also require a small payment as an insurance policy that guarantees you won’t end up paying the bill if the other driver’s insurance company doesn’t pay.

You also sign to say that any costs will be on your behalf and you may be asked for financial details. this is in case the insurance company takes the credit rental company to court, because they believe they have charged too much. in this case, you will have to testify in court. You may need to prove that you needed the rental car and could not afford it without the help of the credit rental company. if this happens, get legal advice.

If you are unsure about using a car rental company and the other driver has admitted that the accident is their fault, you can ask your insurance company to arrange car rental and repairs. More often than not, the other insurer won’t say who’s at fault for the accident right away, and then you’ll have to claim through their insurance company.

How do I find out about credit rental companies?

Your insurance company or garage may refer you to a credit rental company.

  • You can also get information about credit hire companies on the credit hire organization website: www.thecho.co.uk
  • pay the excess for a car accident that is not your fault

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    When you pay the excess for a car accident that is not your fault, you may have to claim this reimbursement from the insurance company of the driver who caused the accident once the claim is settled, if you do not have the expenses covered for pay this for you. If you have trouble getting your money back, you can sue the insurance company or the driver.

    If your insurance company handled the claim, they must claim the excess for you. If you have a no-fault accident, a credit rental company can also make a claim on your behalf.

    next steps

    • car insurance: making a claim if you have an accident
    • if you need more help
    • other useful information

      Get more information on how to make a claim against an uninsured driver at the Motor Insurers Office at: www.mib.org.uk.

      tel: 0845 165 2800

      See also: Frequently Asked Questions

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