Request a Credit Hire Company after a non-fault accident.
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Your Premier Choice for First Contact After an Accident Credit Hire Solutions
1. Direct communication with your insurer.
2. Potentially quicker initial response.
You might still need to pay your excess upfront.
Your premiums may increase, even if you weren’t at fault.
Limited choice of repair shops.
Possible downgrade in courtesy car quality.
Risk of being pressured to settle quickly, possibly for less than you deserve.
When involved in a non-fault road traffic accident, making the most beneficial choice from the start is crucial to ensure minimal disruption and fair compensation. Here’s a comprehensive guide to help you navigate your options effectively
Credit Hire
Credit Hire
Pay Your Excess: You may need to pay your policy excess upfront. Lose Your No Claims Bonus: Risk losing your no claims discount. Increased Premiums: Your premiums may rise even for a non-fault claim.Standard Courtesy Car: Often limited to a basic courtesy car. Insurance-Approved Repairs: Repairs must be done at insurer-approved shops, possibly compromising on quality.
What is a Credit Hire
Company?
An accident management company is the best choice following a non-fault accident.
Ask for a return call.
Quickly resume your daily activities with a suitable replacement vehicle.Credit Hire Claims.
No Upfront Costs: You receive a replacement vehicle immediately without paying upfront.The CHC covers the costs and seeks reimbursement from the at-fault party's insurer.
Credit Hire companies operate under a no-win, no-fee model, ensuring you incur no costs unless they successfully recover expenses from the at-fault driver’s insurance. This contrasts with traditional insurance claims, where your insurer might deny coverage or impose financial limits post-accident.
No Financial Risk Upfront: You incur no upfront costs as the Credit Hire company covers expenses, including vehicle hire and repairs, which are recovered from the at-fault driver’s insurer.
Preservation of No-Claims Bonus: By avoiding a claim on your own insurance policy, you safeguard your valuable no-claims bonus, helping to keep your premiums lower in the future.
Full Compensation: Credit Hire Claims typically result in a higher total claim value. This is due to the added benefits such as comprehensive vehicle hire and the use of manufacturer-approved repair facilities.
Expert Handling: Credit Hire Companies specialize in managing claims efficiently. They handle all aspects, including negotiations with insurers, ensuring you receive fair compensation and optimal service.
Legal Entitlement: You are legally entitled to these benefits if the accident was not your fault, ensuring you receive proper compensation for any inconvenience and losses.
Fee Structure: While Credit Hire Companies charge a fee for their services, this is typically included in the overall claim and doesn’t require upfront payment from you.
Who is entitled to Credit Hire
- The other driver’s name, address, and contact details
- The other driver’s insurance policy details
- Witness statements
- Photographs of the accident scene
- The police report (if applicable)
Financial Relief: Whether the accident is minor or major, a Credit Hire Company helps alleviate the immediate financial burden by providing a replacement vehicle without upfront costs. They handle expenses that are later recovered from the at-fault party’s insurer.
Protection of No-Claims Bonus: By opting for Credit Hire, you protect your valuable no-claims bonus, ensuring it remains intact and unaffected by the accident.
Insurance Premium Stability: Avoid potential increases in insurance premiums that could result from making a claim through your own insurance policy.
After determining the accident wasn't your fault, your initial step is to contact a Credit Hire Company, also known as an Accident Management Company.
The benefits of choosing Credit Hire after a non-fault accident are substantial and designed to provide you with peace ofmind and convenience
You'll receive a replacement vehicle that mirrors the make, model, and specifications of your own car, ensuring seamless continuity in your daily routines without any interruptions.
When you choose a Credit Hire Company, you eliminate the need to pay any insurance policy excess fees, providing peace of mind with zero out-of-pocket expenses.
Using Credit Hire services ensures that your insurance premiums remain unaffected, as there will be no pending claim to impact your renewal rates. This guarantees stability in your insurance costs without any future premium increases due to the accident.
Credit Hire stands as a swift and convenient solution, offering essential support after an accident that wasn't your fault. Its comprehensive benefits seamlessly alleviate the disruptions caused by a road traffic incident, empowering you to prioritize recovery and confidently progress with your daily life.
Credit Hire has evolved significantly since its inception in the component of the Elite Accident Management insurance landscape.
Today, Credit Hire has evolved into a highly refined and efficient service, offering advanced solutions that ensure seamless mobility and comprehensive support for drivers involved in accidents.
Credit Hire and Accident Management serve distinct purposes despite their association in the context of car accident claims
