When an Insurance Company offers you a replacement car while your own car is repaired - should the car be the same size to our own car. My sister was involved in an accident. The other driver was at fault and his insurance is repairing her car (an Honda Accord). They gave her an Chevrolet Kalos 2 door. She is due to go to Cork for afew days at the weekend (a 4 hour drive) but the Insurance Co. is saying take it or leave it. So she left it and is now driving her sister's jeep. A bit unfair but thankfully no one was injured in the accident.
Replacement car after accident
- Thread starter Megan
- Start date
I was given a three door one litre Toyota Yaris while my car was being repaired last year, mine was a 1.4 5 door car. I was told I was lucky I wasn't getting a Micra! As it happens, I liked the Yaris a LOT more than I'd expected to, and while it's a bit too small for my needs if I was replacing my car I'd certainly have a look at the Auris. I suppose your sister could ask if she could pay a little extra for something a bit better?
As you say, the main thing is that no-one was injured.
As you say, the main thing is that no-one was injured.
Was involved in slight accident a few weeks back on slippy road but the axle on car was bust. It was on a Saturday morning so I got a garage I deal with to come and pick up the car and rang the insurance company, Allianz, but couldn't get through. Rang again on Monday morning to be told that they had an appointed repair garage in my area — around 30 miles away — and the fact that I had gotten my own garage to sort the matter out for me, they wouldn't allow me a replacement car despite it being covered on my insurance. I fought it out with them but there was no give and, anyway, I was dealing with a different person each time so the story had to be retold on several occasions. It was very annoying.
Anyway, back to the point, I think that it is up to the insurance company's appointed garage to give a replacement car from what they have available and I think it says this in the small print if you look carefully. Again, thankfully no one injured.
Anyway, back to the point, I think that it is up to the insurance company's appointed garage to give a replacement car from what they have available and I think it says this in the small print if you look carefully. Again, thankfully no one injured.
She actually isnt entitled to anything. A courtesy car under insurance is a benefit. They arent obliged to provide it and in most cases they wont unless the car is repaired in one of their approved repairers garage! Depending on the insurance company, you will normally get a car of equivalent engine size to your own.
She is pursuing a claim against the other drivers policy and is entitled (taking that liability is not an issue) to (a) have her car repaired (b) a replacement car whilst her car is being repaired of the same type and (c) in certain circumstances depreciation on her own car.
This has nothing to do with a courtesy car.
If the insurer refuses to do any of the above she can go to a solicitor who will get it.
Complainer
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Is it such a huge ordeal for her to slum it in a Chevy for a few days?
G
GA001
Guest
Well let them repair the damage and then advise them you are NOT satisfied with it if they wish to go down that road.
In answer to the question, as stated above, you are not entitled to a courtesy car, or any car hire that may be incurred whilst your vehicle is off the road.
It is usually offered as a good will gesture.
The goodwill gesture is irelevent.
If you have an accident and it is the fault of a third party you are entitiled to the repair to your vehicle plus any uninsured loss.
A replacement car is considered as an uninsured loss and you are entitiled to a like for like replacement car.
Please get your facts right.
Do you suggest that they walk everywhere whilst their car which was hit through no fault of their own gets repaired?
A courtesy car is a completely different thing
But that only applies if you are claiming under your own policy for damage to your own vehicle.
If you hit someones car and they made a claim under your Zurich policy that extension does not apply to them.
Oh my god you think that is bad, well I had a serious accident in my lovely (now written off
) Honda Accord in December and I was handed a disgusting 00 Nissan Almera for 2 weeks, the worst driving experience of my life but I had to put up with it.
It's all the garage had for me on the day and it was horrible but I needed it!.
If I was given a new Chevrolet at the time i would have been alot happier than the heap I was given!.
Your sister will be fine, it's only temporary anyway!
) Honda Accord in December and I was handed a disgusting 00 Nissan Almera for 2 weeks, the worst driving experience of my life but I had to put up with it.It's all the garage had for me on the day and it was horrible but I needed it!.
If I was given a new Chevrolet at the time i would have been alot happier than the heap I was given!.
Your sister will be fine, it's only temporary anyway!
G
GA001
Guest
Public transport, the hire of a rental car etc.
As I clearly stated and my facts are correct, you are NOT entitled to a rental car (courtesy car), I did not discuss uninsured losses as the OP did not request as such.
You are not entitled to a "like for like" the contract is not with the TP so you are not entitled to anything.
Get my facts right, people in glass houses etc.
The third party is at fault for this accident and you are entitled to be put into the position you were in prior to the accident.
Based on your dogmatic views if I am hit by a third party and their insurer repairs my car that is all that I am entitled to regardless of the fact that I may work 60 miles away.
Any costs that I incur are my own responsibility and I have no right to recover those costs.
You are entitled to lodge a claim for a replacement car on a like for like basis (if in doubt check with insurers brokers and solicitors who will confirm)
I have no idea what your people in glass houses comment means!