Credit Hire / Uninsured
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.
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.