Please help - Car Crash - should guilty party provide courtesy car (drink driver) ??

[kazp11]

On Saturday Night/Sunday morning I was stopped at a red light. A car crashed into the back of my car, she did not see me and made no attempt to brake. Driver had been drinking and has been charged by police. My policy does not include a couresty car. I have a 13 week old baby (thankfully was not in car) and need a car to get to weekly clinic appointments. It is Wednesday night and have not yet heard from my insurance company (Tesco) if my car can be repaired or not. Should the drink drivers insurance company provide me with a courtesy car? Should I request this from my insurance company. I have never been involved in an accident before and not sure of correct procedures.

 

Any advise would be gratefully received.

 

Thanks Kaz

[cazzaswfc]

If you don;t have a courtesy car on your policy then your co are not oblidged to give you one.

 

You can however claim at c/car from the tp - has liability being admitted yet from the other company? If so you could contact them and ask for one to be provided.

 

failing this if you have legal cover you could hire a car and then claim the costs back from the 3rd party.

 

try the other company first as 9/10 they'll arrange one for you.

[Ed Gasket]

Yes you are entitled to a courtesy car until yours is repaired or you receive a final settlement from the insurer. If the other woman was insured and has admitted liability (can't see how they would not be liable in this case) then you can ask for her insurers to provide one; or hire one yourself and claim the cost back (more risky as you have to pay the cost and claim it back but if they won't provide one you are still entitled to it). Alternatively, you can see if your own insurers will provide one and claim the cost back for you.

[Wulfyn]

I'm amazed that your own insurance company has not provided you with one. Car Hire is one of the biggest money spinners in the insurance industry - your insurance claims department should be falling over themselves to give you a courtesy car so that they can then claim the cost back from the third party insurance company and bag the profit.

 

There are plenty of companies that will help you here.

[vusys1]

I'm amazed that your own insurance company has not provided you with one. Car Hire is one of the biggest money spinners in the insurance industry - your insurance claims department should be falling over themselves to give you a courtesy car so that they can then claim the cost back from the third party insurance company and bag the profit.

 

There are plenty of companies that will help you here.

 

 

yes they are money spinners,thats why certain insurance companys are now charging for "gauranteed hire car" following an accident etc. They will now not give you a courtesy car while yours is in for repairs.