Non Fault Claim
Discussion
Hi guys
My car was reversed into whilst been parked up. The other person left a note said extremely sorry etc and has taken full liability.
My insurer advised to use a local repair garage who will be picking up my vehicle (in a weeks time!!!) (waives off any excess). My insurer advised contact the garage regarding a hire car. (I have a courtesy car under my policy)
It appears that the repair garage do not have a fleet of cars therefore instructed enterprise, who then called me to offer me a credit hire vehicle which I can only get on the day my car goes into the repair garage?
I am concerned and baffled that why do I need to sign and agree a credit hire agreement when I have courtesy car hire cover via my insurers?
I have heard bad things from Credit Hire companies from the information online. Can anybody recommend anything? or am I overthinking this?
Sometimes they said the garage will pay then forward cost on to my insurer who then contact the third party then enterprise say they contact the third party directly to get payment? and if they dispute the claim then I am liable to pay?
My car was reversed into whilst been parked up. The other person left a note said extremely sorry etc and has taken full liability.
My insurer advised to use a local repair garage who will be picking up my vehicle (in a weeks time!!!) (waives off any excess). My insurer advised contact the garage regarding a hire car. (I have a courtesy car under my policy)
It appears that the repair garage do not have a fleet of cars therefore instructed enterprise, who then called me to offer me a credit hire vehicle which I can only get on the day my car goes into the repair garage?
I am concerned and baffled that why do I need to sign and agree a credit hire agreement when I have courtesy car hire cover via my insurers?
I have heard bad things from Credit Hire companies from the information online. Can anybody recommend anything? or am I overthinking this?
Sometimes they said the garage will pay then forward cost on to my insurer who then contact the third party then enterprise say they contact the third party directly to get payment? and if they dispute the claim then I am liable to pay?
Edited by Humble1sos on Thursday 20th February 11:38
Yes they have contacted me and left voicemails taking full liability.
I am probably new to this so overthinking things. I am happy for my insurance company to deal with the repair side of things as the reccomended repair garage has good reviews.
My concern is why am I being offered a credit hire?
The third party insurance who contacted me did say they could arrange a car hire for me without any credit hire or anything to sign. But my understanding was it may be easier to stay with my insurer who claim that very rarely do non fault claims have any problems as liability as been taken.
I am not using a Accident management company just for reference. My insurer is dealing with it via a local repair garage.
I am probably new to this so overthinking things. I am happy for my insurance company to deal with the repair side of things as the reccomended repair garage has good reviews.
My concern is why am I being offered a credit hire?
The third party insurance who contacted me did say they could arrange a car hire for me without any credit hire or anything to sign. But my understanding was it may be easier to stay with my insurer who claim that very rarely do non fault claims have any problems as liability as been taken.
I am not using a Accident management company just for reference. My insurer is dealing with it via a local repair garage.
Oh I see.
My understanding was that Enterprise would try bill the third party insurance? and not mine?
Then somebody else says the garage will pay for the enterprise bill then bill my insurer along with the repair costs then my insurer will gather all the costs from the third party!
My understanding was that Enterprise would try bill the third party insurance? and not mine?
Then somebody else says the garage will pay for the enterprise bill then bill my insurer along with the repair costs then my insurer will gather all the costs from the third party!
Edited by Humble1sos on Thursday 20th February 12:50
The confusion for me was the my insurer said contact the garage who will sort you out a courtesy car... So I did the garage said they do not have there own cars so they will pass my details on to enterprise but the lady who registered my details at the garage set it up as a credit hire and NOT a courtesy car (as part of my policy).
So enterprise contact me regarding setting up a credit hire but my insurer will go back to the garage and say no thats wrong under my policy i'm due a courtesy car cover (albeit a small sized car only).
So it should be my local enterprise call me up and NOT the credit hire HQ in Southampton somewhere.
So enterprise contact me regarding setting up a credit hire but my insurer will go back to the garage and say no thats wrong under my policy i'm due a courtesy car cover (albeit a small sized car only).
So it should be my local enterprise call me up and NOT the credit hire HQ in Southampton somewhere.
Gassing Station | General Gassing | Top of Page | What's New | My Stuff