The Courtesy Car Trap
Many UK motorists think that they are entitled to the courtesy car but dragged to courts with huge legal costs after they avail this service. Many drivers hit by other vehicle utilized their courtesy car while repairing their own vehicle. Third party firms dealing in rental cars for accident management offer their services at high prices charge from the other driver’s insurance company.
If they are not able to recover their costs from them, they charge it from the motorists who hire the cars. It is a trauma for the drivers because they then discover they are liable to pay due to a signed documented agreement.
It is a common scene in UK courts to see one driver and two insurance companies fighting a legal battle for this issue. These disputes are matters of growing concern and must be tackled. On an average, an insurance company can add upto £80 each year in car insurance policies, making it even more expensive. This means it has now become more important to compare car insurance prices before buying one.
There are some loopholes in the policies offered by insurance companies, which accident management firms are enjoying to the fullest. When a driver has an accident, his policy will allow him to hire a courtesy car of a predetermined type and duration. If the accident was the driver’s fault, he can still have the courtesy car for a maximum of 30 days.
Accident management firms, along with the insurance companies approach the drivers for an equivalent car for the time being. What the drivers do not know is that they are signing an agreement for hiring the car on credit. The bill is sent to the insurer company. As these amounts can take huge shapes, many insurance companies are contesting for these claims in the courts.
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