Credit hire courtesy car
Discussion
Hello,
I hope someone can advise me on credit hire issues for a courtesy car I am in the process of getting from Enterprise.
Someone crashed into the back of me at traffic lights and just drove off. My dashcam recorded the footage and I was able to read the reg number and the vehicle make.
My insurer tells me this car has insurance on it, my insurer has put my claim through on a non fault basis and put me on credit hire with enterprise for the courtesy car. I have not yet signed papers as I am not picking up the hire car till mine goes in for repair. I had a call from enterprise hq and was given some tcs verbally, such as the need to be truthful and cooperate when necessary. I am happy to do this.
However, my worry is that they may have been too eager to put me on credit hire without making sure that the identity of the driver of the offending vehicle was known and with no knowledge as to whether the driver at the time was insured even though the car appears to be insured.
What happens if the identity of the driver cannot be established? Would I then be liable for enterprise's costs even if I cooperate fully? Basically at this point I dont know who was driving the other vehicle and I suspect whoever it was will have no insurance.
Thank you for your help.
I hope someone can advise me on credit hire issues for a courtesy car I am in the process of getting from Enterprise.
Someone crashed into the back of me at traffic lights and just drove off. My dashcam recorded the footage and I was able to read the reg number and the vehicle make.
My insurer tells me this car has insurance on it, my insurer has put my claim through on a non fault basis and put me on credit hire with enterprise for the courtesy car. I have not yet signed papers as I am not picking up the hire car till mine goes in for repair. I had a call from enterprise hq and was given some tcs verbally, such as the need to be truthful and cooperate when necessary. I am happy to do this.
However, my worry is that they may have been too eager to put me on credit hire without making sure that the identity of the driver of the offending vehicle was known and with no knowledge as to whether the driver at the time was insured even though the car appears to be insured.
What happens if the identity of the driver cannot be established? Would I then be liable for enterprise's costs even if I cooperate fully? Basically at this point I dont know who was driving the other vehicle and I suspect whoever it was will have no insurance.
Thank you for your help.
Went through similar a few years back with Enterprise. I signed a credit hire agreement after getting rear ended. I was hundreds of miles from home and shaken and wanted to get home so didn’t take the credit hire aspect into account. I had the car on credit hire a couple of months in the end as there was a parts supply issue repairing my car
Fast forward six months and I was contacted by my insurance company about providing more evidence and prepping me for court. It was a multi car crash and the car at the back was disputing both their liability for the accident and the cost of my courtesy car. At this point the subject of the credit hire agreement came up and what would happen in the event of some kind of settlement
My insurance company weren’t very interested in discussing it and advised me to talk to Enterprise. The eventual answer from my insurance company after a lot of back and forth was:
“in our experience Enterprise does not ask policy holders to reimburse the costs”
I also got independent advice and they said:
“Complain that the insurer instructed to take credit hire and that it was arranged by themselves. If they still do not resolve, tell the insurer you will take to the Ombudsman”
In the end it was resolved without going to court and all costs were reclaimed by my insurance company from the 3rd party
Fast forward six months and I was contacted by my insurance company about providing more evidence and prepping me for court. It was a multi car crash and the car at the back was disputing both their liability for the accident and the cost of my courtesy car. At this point the subject of the credit hire agreement came up and what would happen in the event of some kind of settlement
My insurance company weren’t very interested in discussing it and advised me to talk to Enterprise. The eventual answer from my insurance company after a lot of back and forth was:
“in our experience Enterprise does not ask policy holders to reimburse the costs”
I also got independent advice and they said:
“Complain that the insurer instructed to take credit hire and that it was arranged by themselves. If they still do not resolve, tell the insurer you will take to the Ombudsman”
In the end it was resolved without going to court and all costs were reclaimed by my insurance company from the 3rd party
Thank you for the responses.
Going to court is not an issue if it needs doing.
The other thing I forgot to mention is enterprise did not ask if I had the means to pay for hire. Upon reading over the web I am given tbe impression this could be an issue? I work and therefore could afford a hire but without being able to contact the third party going with my own insurer's setup appeared to be the best approach.
Going to court is not an issue if it needs doing.
The other thing I forgot to mention is enterprise did not ask if I had the means to pay for hire. Upon reading over the web I am given tbe impression this could be an issue? I work and therefore could afford a hire but without being able to contact the third party going with my own insurer's setup appeared to be the best approach.
sherman said:
The registered keeper will be charged if no other driver is found.
The insutance company will revover its costs from them in court.
You have nothing to worry about apart from your next renewal.
Nope, that's completely wrong.The insutance company will revover its costs from them in court.
You have nothing to worry about apart from your next renewal.
The driver of the car has to be identified in order to be able to commence legal proceedings to recover any losses. You can't sue someone if you don't know who they are.
If the driver is unidentified and you have comprehensive insurance then your insurer will deal with your repairs under your policy, subject to any relevant excess.
If you are only covered for third-party liability, then you can claim against the MIB as the driver is unidentified. They will appoint an insurer to handle the claim, subject to a standard excess.
Your renewal premium may, or may not increase as a result of any claim.
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