What is Credit Hire?

​

If a vehicle has been damaged following a road traffic accident, the law states that a like-for-like replacement vehicle can be provided.  If the owner/user of the vehicle has insufficient funds to either afford the repairs or a replacement vehicle or to lease a replacement vehicle upfront, a credit hire provider will hire the vehicle, and you can recover the costs after that from the party who was at fault.

​

Can you still help even if I was not in the car or not injured?

​

Yes we can.  We are able to represent you even if there is no personal injury claim being brought – as long as you are not using another firm of Solicitors to represent you within your personal injury claim then we can still help. 

 

What if I was injured as well?

​

We can deal with all losses you have incurred as a result of the road traffic accident.  If you were injured as a result of the collision then we can bring a claim for compensation for you also.  As well as this, we can claim for any other losses incurred, such as loss of earnings.

 

Why use us?

​

All staff at Charles A Marshall Lawyers have exceptional knowledge in relation to credit hire, whether it is only that being claimed, or whether it is alongside something else, such as a personal injury claim.

 

Should I use my own Insurers?

​

If you have comprehensive insurance then you may be able to claim against your own insurance policy for a replacement vehicle however, why would you this?  Depending on the terms of your insurance policy this could mean that:

 

• You are deemed to be making a claim against your own insurance policy;

• You lose your no claims discount;

• You have a ‘mark’ against your protected no claims agreement;

• You incur higher insurance premiums in future.

 

This does not seem fair when this was completely out of your hands and as a result of someone else’s negligence who also has their own insurance policy in place to pay for these kinds of claims.

 

What are the Costs to me?

​

There are no up-front costs to you.  Costs do vary depending on what you are claiming for and therefore, these are different on a case-by-case basis.  Please contact us to make enquiries and we will speak with you regarding these. 

 

Testimonials

​

Please visit our Testimonials page to see what our clients say about us and the assistance we have provided to them during a very challenging, stressful and traumatic time.