If the accident wasn't your fault, you can use a credit hire company instead of making a claim through your insurance company. A credit hire company pays for the cost of you hiring a replacement vehicle while yours is being fixed, and pays for the cost of repairs.
How does insurance work when its not your fault?
Your insurance company will pay for your damages, minus your deductible. Don't worry — if the claim is settled and it's determined you weren't at fault for the accident, you'll get your deductible back. The involved insurance companies determine who's at fault.
Will my insurance pay if it was my fault UK?
Generally, if you are injured as a result of an accident that was your fault you will not be able to make a claim for compensation unless another person or organisation was also partly to blame for the accident.
How much will my car insurance go up after a claim UK?
On average, a non-fault accident on your driving history is likely to put your premium up by less than ꌐ each month. It might be ꌐ you'd rather spend elsewhere – but it's significantly cheaper than finding yourself in legal trouble if you're in an accident and your insurance is found to be void.
How many car insurance claims go to court UK?
Most car accident claims are settled out of Court, often because the evidence of fault (liability) is clear or it's not in the other party's interests to dispute a claim. It's believed only about 1% of personal injury claims in the UK go to Court, and car accident claims represent just a fraction of these.