Insurance claim on non-fault

Miss165

Yes unfortunately I don't think the area was covered by CCTV. I suppose I just need to wait for the insurers to investigate & agree liability. From my side, I will have my car repaired and pay the excess (£250, I'm sure the repair would be substantially above this). As I understand it, if they agree the other party is liable then I might get my excess back. Failing this, I intend to contact the party privately and request reimbursement or look into civil proceedings - I don't think it's fair I'm out of pocket for this. 

I am also being contacted by Enterprise regarding the courtesy car arranged by my insurers, however they need me to provide all details of the incident again. Is this normal? 

DullGreyGuy

Miss165 said:
As I understand it, if they agree the other party is liable then I might get my excess back. Failing this, I intend to contact the party privately and request reimbursement or look into civil proceedings - I don't think it's fair I'm out of pocket for this. 

If you have legal expenses cover then your insurers will appoint someone to recover your excess for you (or do it themselves if you have no other uninsured losses). If you haven't paid for LE cover then you'd need to self service it but it's a simple email to the third party insurer once liability is established and the excess paid. 

Miss165 said:

I am also being contacted by Enterprise regarding the courtesy car arranged by my insurers, however they need me to provide all details of the incident again. Is this normal? 

I'd bet you a decent sum that you aren't being contacted by Enterprise about a "courtesy car" but instead your insurers have sold passed your details to Enterprise's Accident Management division to provide you with a credit hire car.

You get a very expensive hire car on tick, they attempt to recover their costs directly from the third party insurers hence why they need the details of the accident so they can access their prospects and start their claims process. 

A true courtesy car is provided by the garage that's doing your repairs at their own cost and is subject to availability. Some insurances offer a "guaranteed courtesy car" (there's lots of different marketing names used) which is a hire car so you are ensured to get it but its normally time capped so if your repairs are long the car may have to go back before yours is ready. In these circumstances the hire company wont ask about the incident because it's irrelevant to them. 

Miss165

Thanks - I spoke with the garage and they don't really understand it either, they say they offer courtesy cars but they only have small cars (like that's a bad thing, I explained that's exactly what I want!) 

Sounds like Enterprise would give me something excessive which I don't need (and would prefer not to have!) 

So I will ignore Enterprise for now as it sounds as though the garage will give me a car. For everything else, I guess I just need to wait for the insurer's to establish liability & settle before pursuing the cost of my excess (I don't have legal cover) 

DullGreyGuy

Miss165 said:

Thanks - I spoke with the garage and they don't really understand it either, they say they offer courtesy cars but they only have small cars (like that's a bad thing, I explained that's exactly what I want!) 

Sounds like Enterprise would give me something excessive which I don't need (and would prefer not to have!) 

So I will ignore Enterprise for now as it sounds as though the garage will give me a car. For everything else, I guess I just need to wait for the insurer's to establish liability & settle before pursuing the cost of my excess (I don't have legal cover) 

Many people want a like for like replacement vehicle... some because they have 5 kids and can't fit the whole family in a Corsa and others because they are a BMW driver and need everyone to know they are a BMW driver. Hence the credit hire industry was born because most people cannot afford to sign an open ended hire car contract.

You dont need to wait for them to settle, just for liability to be confirmed and for you to have paid the excess to the repair garage. As soon as those two bits are done you can submit your claim for the excess to be refunded and any other uninsured losses. Note that typically your insurers wont routinely update you on how the claim against the third party insurer is going so you are going to need to check in with them to confirm if liability has been accepted yet or not. Some insurers do this as quickly as possible, others wait until they have actually paid out on repairs before putting any effort into it (obv not wanting to waste time/cost arguing liability only for the insured to decide they can live with the damage)