Enterprise won't give courtesy car

Baldytyke88

born_again said:

Many policies not do not provide a temp car while yours is being repaired. It is a add on extra.

Perhaps you can sue the person who damaged your car? It does not seem right that someone damages your car, then you are without a car for weeks/months. But that is what insurance is meant to cover.

It does not ring true that a courtesy vehicle is optional.

facade

Baldytyke88 said:

born_again said:

Many policies not do not provide a temp car while yours is being repaired. It is a add on extra.

Perhaps you can sue the person who damaged your car? It does not seem right that someone damages your car, then you are without a car for weeks/months. But that is what insurance is meant to cover.

It does not ring true that a courtesy vehicle is optional.

In essence that is what you do, but if they don't have insurance to cover it then they are extremely unlikely to pay, which is why the Ambulance Chaser Claim Management Company won't give the OP a Credit Hire car.

All the judgements, Court Orders and Bailiffs in the world cannot get blood out of a stone.

LightFlare

Baldytyke88 said:

born_again said:

Many policies not do not provide a temp car while yours is being repaired. It is a add on extra.

Perhaps you can sue the person who damaged your car? It does not seem right that someone damages your car, then you are without a car for weeks/months. But that is what insurance is meant to cover.

It does not ring true that a courtesy vehicle is optional.

It does ring true, because it is.

Most insurance policies have this as an optional "extra" - same for lost keys, mis fuelling and other such things

Mildly_Miffed

born_again said:

Mildly_Miffed said:

1993j said:

I'm desperate for a car and I need one asap

Claim from your own. Let them sort it out

If you're that desperate, hire one yourself until it's sorted, then claim the money back.

Many policies not do not provide a temp car while yours is being repaired. It is a add on extra.

If a replacement car in the event of a collision is so important to the OP, you'd like to assume they'd made sure their policy covered their requirements when they bought it.

Even if it isn't, though, the hire costs would still be a recoverable uninsured loss from the third party that's held liable - even if not in full.

Baldytyke88

Mildly_Miffed said:

If a replacement car in the event of a collision is so important to the OP, you'd like to assume they'd made sure their policy covered their requirements when they bought it.

Even if it isn't, though, the hire costs would still be a recoverable uninsured loss from the third party that's held liable - even if not in full.

That is the type of thing I mean, if you are a pushover, they will say that you cannot have a car.

sheramber

Mildly_Miffed said:

born_again said:

Mildly_Miffed said:

1993j said:

I'm desperate for a car and I need one asap

Claim from your own. Let them sort it out

If you're that desperate, hire one yourself until it's sorted, then claim the money back.

Many policies not do not provide a temp car while yours is being repaired. It is a add on extra.

If a replacement car in the event of a collision is so important to the OP, you'd like to assume they'd made sure their policy covered their requirements when they bought it.

Even if it isn't, though, the hire costs would still be a recoverable uninsured loss from the third party that's held liable - even if not in full.

Assuming third party was insured. 

Baldytyke88

Compensation for Assessed Repair Time (CART) provides payouts for the lost use of damaged property (like a car) while it's being repaired, compensating for downtime, not just repair costs, often as a daily rate based on an expert's estimate, covering inconvenience, lost income, or alternative transport, and can be part of insurance policies or claims, especially in third-party claims where the other insurer pays for your inconvenience. It helps cover costs like temporary rentals or lost earnings due to the vehicle being out of action, ensuring you're not financially disadvantaged by the delay, as noted in this guide from the ABI

https://www.abi.org.uk/globalassets/files/publications/public/motor/2022/third-party-assistance-claimant-guide.pdf

Aretnap

Baldytyke88 said:

Compensation for Assessed Repair Time (CART) provides payouts for the lost use of damaged property (like a car) while it's being repaired, compensating for downtime, not just repair costs, often as a daily rate based on an expert's estimate, covering inconvenience, lost income, or alternative transport, and can be part of insurance policies or claims, especially in third-party claims where the other insurer pays for your inconvenience. It helps cover costs like temporary rentals or lost earnings due to the vehicle being out of action, ensuring you're not financially disadvantaged by the delay, as noted in this guide from the ABI

https://www.abi.org.uk/globalassets/files/publications/public/motor/2022/third-party-assistance-claimant-guide.pdf

Yes, the OP can claim for the fact that his car is undriveable from the insurer of the at fault driver - either in the form of a loss of use payment, it in the form of reimbursement of hire car costs. 

The problem is that one of the drivers scarpered, the other is maybe possibly not insured, and it's not obvious (are least not from what he's told us) which one was primarily responsible for the damage to his car. So the at fault driver's insurer may not be traceable, or even exist.

The credit hire company would do the job of claiming from the third party insurer for him. If they are reluctant to take him on, that gives you an idea of how easy they think that task would be. 

Alternatively the OP might be able to claim a hire car from his own insurer, who will not care who was to blame and whether they were insured, but that does depend on having bought the right add-ons when he set the policy up - it is very much an optional extra as far as his own policy goes.

MyRealNameToo

Baldytyke88 said:

Compensation for Assessed Repair Time (CART) provides payouts for the lost use of damaged property (like a car) while it's being repaired, compensating for downtime, not just repair costs, often as a daily rate based on an expert's estimate, covering inconvenience, lost income, or alternative transport, and can be part of insurance policies or claims, especially in third-party claims where the other insurer pays for your inconvenience. It helps cover costs like temporary rentals or lost earnings due to the vehicle being out of action, ensuring you're not financially disadvantaged by the delay, as noted in this guide from the ABI

Lost income and alternative transport would be a separate head of claim for loss of use and you can't claim both alternative transport (in the form of hire) and loss of use as the whole concept of loss of use is the general set of challenges of not having car which you dont suffer if you have a hire car.

The OP hasn't been particular clear how two different vehicles ended up hitting their vehicle and the fact that the first one is untraced is a major issue. It's not clear if the second impact was directly caused by the first or if they are two independent events. Assuming they are independent then the 2nd driver is only liable for the time required to fix the damage they caused and not the damage caused by the other driver. It could well be their liability is 0 if the first impact by the other car had already written it off as all they've done is put another dent in the salvage which is valued based on its pre-accident value not its post accident condition. 

Mildly_Miffed

sheramber said:

Mildly_Miffed said:

born_again said:

Mildly_Miffed said:

1993j said:

I'm desperate for a car and I need one asap

Claim from your own. Let them sort it out

If you're that desperate, hire one yourself until it's sorted, then claim the money back.

Many policies not do not provide a temp car while yours is being repaired. It is a add on extra.

If a replacement car in the event of a collision is so important to the OP, you'd like to assume they'd made sure their policy covered their requirements when they bought it.

Even if it isn't, though, the hire costs would still be a recoverable uninsured loss from the third party that's held liable - even if not in full.

Assuming third party was insured. 

Even if they aren't. You can still claim it from them.

It will be a lot more work, and likely they won't be able to pay, but it's still a valid debt.

Of course, it's always far easier to ensure you're buying insurance that meets your requirements, instead of just blithely going for the cheapest and then looking surprised they've ryanaired it to the bone to BE the cheapest...