accident management - urgent..

scheming_gypsy

Has anybody had experience of one of these companies, offering to give me a courtesy car and deal direct with the other persons insurance company after a car smash.

I don't want the hassle of dealing with my insurance company and didn't take up the offer of courtesy car addition...

Is it worth, he said there's no charge to me, or aviod avoid avoid?

jo_b_2

MY ex-partner dealt with one of these 'uninsured loss' companies a couple of years ago and found them brilliant. They sorted all the legal stuff out without any hassle, free courtesy car etc. So long as they are not asking for any upfront payments from you, I don't think you've got anything to lose.

scheming_gypsy

thanks for that.. maybe my luck is changing

Atermis

maybe it will who knows




hehe posting in a really old thread to !!!! off all the old folks on here.

dacouch

They are not giving you a courtesy car they are giving your a "Credit Hire Vehicle", you will be signing a credit agreement which in some circumstances means you are responsible to pay for it. The charges are normally upwards of three times the going rate of a normal hire car.

Do a search of MSE for "Credit Hire" or have a look on honestjohn website as there is a lot on there which you will find quote shocking.

If you want a car without the possibility of you having to pay for it, just ring the other peoples insurers up and if they are happy they are at fault for it they will arrange a vehicle at their cost.

SolicitorMidlands

Use your own insurance if you have a courtesy car provision and/or they can arrange direct with the third party insurers. Be very careful with credit hire - you have a duty to mitigate your loss, i.e. keep your losses to a minimum and it is not guarnteed that you will recover the full cost of the hire from the third party. You may have to pick up the difference.

Crazy_Jamie

I was about to write some advice, then looked at the date of the first post and realised that this is probably sorted by now. But props to Artemis for bumping a four and a half year old thread for no apparent reason.

sarahg1969

It depends what kind of accident management company it is. If it's one of the big boys, probably no problem. But you don't want it to be one of these back street ones that encourages you to over-egg your claim and puts some extra passengers in there for you. ***

If you get tangled up with one of them , you could find the other insurers investigating the claim, refusing to pay the hire charges, and you having to stump up the cost yourself.

But if you are happy that it's reputable, then no problem, although it's not necessarily any easier than dealing direct with the TP insurers.

*** - OK, I know it's unlikely, but it does happen.

SolicitorMidlands

I didn't even look at the date - LOL!!! Whoooops.

sarahg1969

LOL! Let's hope he's got it sorted by now!!