Compass Hire frequently asked questions after non fault car accidents.
Car Accident Questions After Non Fault Car Accidents
On this page we aim to answer your questions in relation to; non fault road traffic accidents, the vehicle claim process, post accident car hire, like for like courtesy car provision and credit hire. However if there is something we have not covered please call or email our team for immediate assistance. Compass Hire are ready to provide credit hire courtesy cars, post accident car hire and vehicle claims services at no cost.
24hr Help Call 0800 321 7320
Car Accident Reporting Questions:
What to do after a non fault car accident
Ensure everyone involve is safe, contact emergency services if the vehicles are blocking the road or anyone is injured.
Exchange contact and insurance details with all partys involved.
Take pictures of vehicle, there locations and take note of the accident location.
For more information on what to do after a non fault car accident please visit our non fault car accident help, this gives details of what you will need to do after a non fault car accident. For details on your rights and entitlements to claim after a non fault car accident visit our Legal page for further information.
Do I need to report the accident to the police or emergency services?
If any of the following applies contact the police immediately:
- If anyone is injured.
- If the road is blocked or the vehicles are left in dangerous positions to other road users.
- If any vehicles are at risk of fire.
- If anyone appears to to under the influence of alcohol or drugs.
- If anyone is not correctly insured, (Use the website ASK MID to confirm insurance cover)
What details need to be exchanged after a car accident?
You will need to take details of the following:
- Vehicle Owner Name
- Driver Information (remember this may be different to the owner)
- Vehicle Registration Numbers
- Insurance details if available
Taking phone numbers and addresses of all partys can be very useful, taking pictures is also very helpful.
24hr Help Call: 0800 321 7320
Signed Statements Confirming Liability Proof of Liability?
These can be useful, however surprisingly will not away be sufficient to establish liability. People often later claim the statement was written in a state of shock, under duress or deny the validity. Photographs of the individuals, vehicle locations and confirm of details are always effective and good evidence. Signed statements accepting liability in addition to these are useful.
Who pays for the service?
If we offer the service the at fault drivers insurance company will pay for the cost.
Do I have to inform my car finance company?
Depending upon the wording of your policy, some require all accidents be reported. Others it will be limited to fault accidents. If your insurance is increased as a result of a none fault accident your can contest the additional premium. Often a letter from the at fault insurance company confirming your were not liable for the accident will correct the situation.
However 60% of UK insurance companies will increase the following years premiuum at renewal for simply being involved in a vehicle accident. These practice effectively charges you as the policy holder for an accident which is entirely not your fault.
To help avoid this speak to Compass Hire, we claim directly against the at fault drivers insurance company meaning you own insurance company service is not required. The result is a cost free direct claim rout with no excess to pay or adverse claims history on your policy. To understand our right to claim and claim entitlements after a non fault vehicle accident visit our legal page. For independent consumer advice on your rights and different options to claim for a non fault car accident including details on credit hire companies like Compass Hire visit the UK Government Citizens Advice page for independent consumers information after non fault car accidents.
What happens if my car is repaired or written off and I have outstanding Finance?
If your vehicle is subject to outstanding finance you need to inform the finance company of the accident and the vehicle damage claim. You will need to ensure the vehicle is repaired at a repair centre which the finance company agree upon. In the event of a write off you will need to keep the finance company informed of any vehicle valuation or vehicle settle offers. If you owe a greater value than your receive as a write off offer you will be responsible to the shortfall. However if you hold a GAP insurance policy this will usually cover the difference. Want to know more about arranging vehicle repairs without using your insurance company or paying any excess visit out non fault accident vehicle repair page for full details.
What happens if my insurance cost increases after a non fault car accident?
You can contest the increase, provide evidence the accident was not your fault and obtain a letter from the at fault drivers insurance confirming you were not liable and no claim is to made against you.
With 60% of UK insurance companies increasing premiums at the following year premium renewal claiming directly from the at fault drivers insurance can be the clear solution. When claiming directly no cost is incurred to you, you do not need to pay any policy excess and it can protect your claims history and discount.
Compass Hire provide a direct claim service at no cost, we provide like for like courtesy cars whilst your own vehicle is off the road and claim for your vehicle accident losses or arrange repairs at at repair centre of your choice. For further details on your rights to claim directly and your entitlements to claim after a non fault car accident visit our legal page or visit our page on how to claim after a non fault car accident. For information on how to claim directly from the at fault drivers insurance company after a minor car accident visit our page on how to claim for a minor car accident.
Insurance Related Questions:
Do I have to use my insurance company?
If the accident was not your fault you do not have to use your insurance company to claim. In this circumstance your can use Compass Hire vehicle claim service or any independent service your feel offers you the best service. By not using your insurance company no claim is made against your own insurance policy, no policy excess is paid. Furthermore you will have full control of the vehicle claim, the valuation and any vehicle repairs will be carried out at a garage of your choice.
Do I have to report a non fault accident to my insurance company?
This depends upon your policy, some insurance companies will require all accidents, regardless of fault liability, to be reported. Others will only require fault liability claims to be reported. Visit our page on your right and entitlements to claim after non fault car accident for full details or visit the Citizens Advice page for independent advice on claiming after a non fault car accident.
If you want to claim for a non fault car accident without using your own insurance company visit our how to claim without using your insurance company after after a non fault accident page. You should check your insurance policy to ensure find out if all accidents both fault and non fault should be reported. If the accident is not your fault you do not have to use your insurance company to claim after the accident. The choice to select the best service to meet your requirement is entirely yours.
Do I have to pay my policy excess?
If the accident was not your fault no. You can use Compass Hire vehicle claim service instead of your own insurance company. All cost for the service are then recovered from the at fault drivers insurance company.
Will a non fault accident increase my insurance premium?
It should not, however if the insurance company do charge more as a result of a non fault accident simply request a letter for the at fault drivers insurance company confirming liability and stating you were not at fault for the accident.
How does the service work if I am fully comprehensive insured?
If you are fully comprehensive insured and the accident was not your fault you have full choice over how to progress the claim. Compass Hire can work with your own insurance company and provide a like for like post non fault accident courtesy car only, this is at not cost to you or your insurance company. Alternatively we can provide full car accident claim service at no cost, this avoids the need for you to claim with your insurance company and results in no adverse claim history, no policy excess payment and gives you full control over your vehicle claim, repair centre choice and ensures a suitable courtesy vehicle is provided. All our cost are recovered from the at fault drivers insurance company at standard ABI rates.
How does the service work if I am third party insured?
If the accident was not your fault we can provide you a fully comprehensive service at no cost to you. We can arrange a like for like courtesy vehicle during the time your own vehicle is off the road of if it is written off. We can can also claim for your vehicle damage, repair cost or write off value. You have full choice over the vehicle valuation, repair centre choice and courtesy vehicle type. We act upon your instruction and in your interest only. Our service is provided at no cost to you. see our vehicle hire and claim page for full details.
What happens if the at fault driver is not insured?
You will need to report this to the police, then you have two option to progress the claim. If you hold a comprehensive policy you can claim via that route, or contact the MIB (motor insurance bureau) for claim assistance via their uninsured driver scheme
Vehicle Related Questions:
How does a car get classed as a write off after an accident?
Vehicle are written off by the party making the payout for the loss. Usually the third party insurance company. The vehicle is often written off if the claim or damage to the vehicle amounts to more than 60% of the vehicle value.
How are vehicle write off values calculated?
Valuations are usually a product of the current market trend to establish the vehicles pre-accident value. This is the cost to replace the damaged vehicle with a vehicle of the same age, mileage, condition and specification. This is not usually retail value but the market value, often considered to be between retail and trade value.
Can I keep my vehicle if it written off?
Quiet often is the vehicle is written off as un economical to repair you can keep the written off vehicle. People often use the write off value to repair these vehicle and continue to use them. The options you will have in relation to your written off vehicle will depend upon which category of write off the vehicle has been listed as. Some must be disposed of only, some can be repaired. Regardless until you accept payment for the pre-accident write off value the vehicle remains your property.
Can a written off vehicle go back on the road?
If the the vehicle was written off on the basis of uneconomical to repair then often yes. Most importantly you need to look at the vehicle write off report and find out which category of write off your vehicle has been listed as. This will dictate the options available to you and the future of the vehicle.
When is a car classed as repairable?
If a car is classed as repairable this is usually on the basis the repair cost are less than 60% of the vehicles pre-accident value. Remember if your can is repairable it is entirely your choice where the vehicle is repaired. See out vehicle claim repair page for details.
Can I select my own repair centre?
Yes. regardless of claim route is remains your property and therefore your choice as to where is is repaired. See our vehicle damage claim page for details.
How are repair costs calculated?
Repair cost are valued by an engineer and subject to dismantling of the vehicle. Repair costs are valued by the replacement parts require, paint and materials and labour cost combined.
Can I repair my own vehicle?
If you wish to repair your own vehicle or claim for cash en lieu of repair you can do this.
Can I claim the cost of the repair and then arrange my own repairs?
Yes, most insurance companies will allow this tpe of settlement.
What is a cash en lieu of repair settlement?
This a request to claim the cash only cost of repairs.
Where is my vehicle stored if it has been recovered form the accident scene?
This depends upon who arranged the recovery. Compass Hire can arrange post accident vehicle recovery from the accident location. If the police arrange recovery the vehicle will be collected and stored the a local police vehicle recovery contracted agents. vehicle are then subject to storage fees depending on the type of storage provided. See home office website for statutory fee rates. If the accident was not your fault Compass Hire can arrange collection of your vehicle and we pay the storage and recovery fees. We then claim this back from the at fault drivers insurance company all at no cost to you.
Vehicle Claim Related Questions:
What can I claim for after a non fault car accident?
Any financial loss you have incurred as a direct result of the accident. We can assist you with claiming for your vehicle following a accident we provide a like for like temporary replacement hire vehicle and vehicle claim service, all at no cost to you.
How Long does a non fault car accident claim take to settle?
Depending upon the insurer and liability investigations, usually between 2 and 4 weeks. During this time you are entitled to a like for like temporary replacement vehicle.
How is liability established after a road traffic accident?
Liability is established based up the accident circumstances as the supporting evidence provided.
Who can be classed as an independent witness?
Any party no directly involved in the accident of related to or influenced by any party involved. In Scotland this is different as passengers can be witnesses.
Can passengers in a vehicle claim?
Yes, they can claim for any financial loss they may have incurred as direct result of the accident
What is credit hire?
Credit hire is the type of hire provided by car accident related companies such as insurance companies, accident management services, legal expenses insurance policy providers and many main stream hire companies as well as specialist companies such as Compass Hire, see our Credit Hire page for detail on our service.
Credit hire is provided on the the basis that the at fault fault drivers insurance company will pay for the cost of hire vehicle.
What to read more about post accident hire car service please visit our page on the subject Accident Hire Car.
Who pays for the credit hire vehicle?
The at fault drivers insurance company
How do I get a courtesy car after a non fault car accident?
Call Compass Hire for 24hr Help, we can arrange post non fault accident car hire. Full credit hire company services and arrange courtesy cars after accidents at no cost to you. Call 0800 321 7320 or visit our non fault accident courtesy car page.
What type of vehicle will I receive?
Compass Hire provide like for like post accident car hire and courtesy car services. This means the vehicle provided will be of the same size and specification as your own vehicle. At Compass Hire we are usually able to give your choice of suitable vehicle types to select form. We provide all vehicle types, small cars, mid range, prestige, sports, commercials, vans, motorcycles, 4x4 and more
What is meant by "like for Like" in relation to courtesy cars and post accident car hire?
How long do I keep a courtesy vehicle, post accident hire vehicle or credit hire vehicle?
You will keep you in the post accident courtesy car or post accident hire car until your own vehicle is fully repaired and returned to you, of until your have received your write off value you payment.