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Accident Replacement Motorcycles

What Is an Accident Loan Car, and How Does It Work?

Who Pays for the Loan Car After a Not-at-Fault Accident?

Can I Get a Loan Car While Waiting for My Accident Settlement?

How Long Can I Keep a Loan Car After an Accident?

Is There an Excess if the Loan Car Is Damaged?

Find out who can apply for an accident loan car, who pays, how long you can keep it and which running costs remain yours. Check Right2Drive eligibility.

Accident Loan Cars: Your Questions Answered

<p></p><div class="__editor_html"><p>If you have been involved in a car accident that was not your fault, you may be eligible for an accident loan car. Many drivers are not sure how accident loan cars work, who pays for them or what happens if their car is written off, so it can be hard to know whether to apply. To help you decide, we have answered some commonly asked questions below.</p>
<h2>What Is an Accident Loan Car?</h2>
<p>An accident loan car, also called an accident replacement vehicle, is a vehicle provided to an <a href="https://www.right2drive.com.au/articles/are-you-eligible-for-an-accident-replacement-vehicle-at-no-cost-to-you">eligible driver</a> after a not-at-fault car accident. These vehicles are made available by credit hire providers like Right2Drive, with no vehicle hire costs for eligible drivers who meet the conditions of their hire agreement.</p>
<p>The replacement vehicle is provided while your car is being repaired. If your car is a total loss, the hire may continue until you receive your settlement payment, subject to the agreed hire terms. Our <a href="https://www.right2drive.com.au/articles/everything-you-need-to-know-about-car-write-offs">guide to car write-offs</a> explains what to ask when your car will not be repaired.</p>
<p>The word "loan" means you use the vehicle temporarily. It is not a finance loan or an advance on your insurance settlement. You can read more about our <a href="https://www.right2drive.com.au/accident-loan-car">accident loan car service</a> on our website.</p>
<h2>Who Covers the Cost of the Accident Loan Car?</h2>
<p>Right2Drive recovers the hire cost directly through the at-fault driver's insurer. As long as the not-at-fault driver meets the <a href="https://www.right2drive.com.au/terms-conditions">terms and conditions of our agreement</a>, they have no vehicle hire costs to pay. The team will talk you through the agreement so you know what to expect, and you can ask about any part you are unsure of.</p>
<h2>Are There Any Costs for the Not-At-Fault Driver?</h2>
<p>While the hire cost is not charged to you, you are still responsible for everyday vehicle use costs (running costs), just as you would be with your own vehicle. These include:</p>
<ul>
<li>Fuel</li>
<li>Tolls (and their related administrative fees)</li>
<li>Traffic or parking infringements (and their associated administrative fees)</li>
</ul>
<p>In some circumstances, you may also have to pay for vehicle cleaning if the car is returned in poor condition, or for damage or unacceptable wear and tear. The team holds your credit card details in case any of these charges apply at the end of the hire. When you collect the car, ask about the fuel return requirements and what to do if the car is damaged, so there are no surprises later.</p>
<h2>Who Is Eligible for an Accident Loan Car?</h2>
<p>Right2Drive's service is for drivers who were not at fault in an accident involving another vehicle. As part of its checks, the team reviews your accident photos and contacts the at-fault driver and their insurer. Being not at fault does not automatically mean an application will be approved, and if fault is disputed the team may need more information before it can decide.</p>
<h2>What Is a Like-for-Like Vehicle?</h2>
<p>A like-for-like vehicle is one that is equivalent to your own, matching its type, size, and use. That does not mean the same make or model. While we make every effort to provide a comparable vehicle, availability can vary. If we do not have a similar option available, we discuss suitable alternatives with you before you accept a vehicle. Tell the team what you use your car for. For example, you might need enough seats for the school run or space for work equipment.</p>
<h2>Is an Accident Loan Car the Same as a Rental Car or a Hire Car Through My Insurer?</h2>
<p>They can all keep you moving, but they work differently. Hire car cover under your own policy depends on its inclusions, limits and conditions, and a rental from a rental company is usually something you arrange and pay for yourself. An approved Right2Drive hire follows a separate agreement, with hire costs recovered through the at-fault driver's insurer. Our <a href="https://www.right2drive.com.au/articles/rental-car-or-accident-replacement-vehicle-what-can-you-get-after-an-accident">rental car and accident replacement vehicle comparison</a> and our guide to <a href="https://www.right2drive.com.au/articles/how-does-an-accident-loan-car-differ-from-the-car-hire-option-on-an-insurance-policy">how an accident loan car differs from the hire car option on an insurance policy</a> explain the differences.</p>
<h2>Where Can I Get an Accident Loan Car?</h2>
<p>Right2Drive has branches across Australia. If there is no branch near you, we may still be able to arrange delivery and collection at a time and place that suit you, depending on your location. Check our <a href="https://www.right2drive.com.au/our-branches">branches page</a>, or call the team on 1300 100 121 to confirm what is available in your area.</p>
<h2>What Information Do I Need to Provide?</h2>
<p>To apply, it helps to have these details ready:</p>
<ul>
<li>The at-fault driver's name, contact number, vehicle registration, insurer and insurance claim number, where you have them.</li>
<li>A copy of your physical driver's licence and your own contact details.</li>
<li>The date and place of the accident, a short account of what happened, and any photos, witness details or police reference you have.</li>
<li>Updates on your repairs or settlement. When your repairs are complete or your settlement payment is received, the team will arrange a time and place to collect the car.</li>
</ul>
<p>Start with what you have. If you are missing some details, our team can help you work out what else is needed. Our guide to <a href="https://www.right2drive.com.au/articles/what-to-do-after-a-car-accident-thats-not-your-fault">what to do after a car accident that is not your fault</a> explains the steps to take and the details to collect.</p>
<p>You can apply online or by calling 1300 100 121, and we aim to give same-day approval where possible once we have your completed application. For an approved hire there are no vehicle hire costs to pay, so there is no hire quote to wait for. The team will explain the agreement and any charges that could apply before you sign.</p>
<h2>If You Do Not Have Insurance, Are You Still Eligible For An Accident Loan Car?</h2>
<p>Yes. You can be eligible for an accident loan car even if you don’t have an insurance policy of your own. Eligibility depends on the circumstances of the accident and the at-fault driver's insurance details. You can <a href="https://www.right2drive.com.au/am-i-eligible">check your eligibility</a> on our website.</p>
<p>Have more questions? Visit our <a href="https://www.right2drive.com.au/faqs">FAQs page</a> for answers. If you still cannot find what you are looking for, get in touch with our team on 1300 100 121.</p>
<h2>Right2Drive Helps You Get Back On the Road After an Accident</h2>
<p>If your car is off the road because of someone else's mistake, Right2Drive can help you keep moving. We provide a replacement vehicle while your own car is being repaired and recover the cost from the at-fault driver's insurer. Where available, we deliver the car to a place that suits you and collect it again when your repairs are complete or your settlement payment is received, so you can keep up with work, school runs and appointments while you focus on your claim. <a href="https://www.right2drive.com.au/application-your-details">Apply for an accident loan car</a> and the team will assess your circumstances and explain what happens next.</p>
<h2>Frequently Asked Questions (FAQs)</h2>
<h3>What Is an Accident Loan Car, and How Does It Work?</h3>
<p>An accident loan car is a replacement car provided to you while your own car is undergoing repair. In case your car is totally damaged, you can use this replacement car until you receive your settlement payment, subject to the hire terms. You can reach out to Right2Drive to apply or check your eligibility online.</p>
<h3>Who Pays for the Loan Car After a Not-at-Fault Accident?</h3>
<p>For an approved hire, Right2Drive recovers the hire cost from the at-fault driver's insurer, so eligible drivers do not pay the vehicle hire cost. You remain responsible for fuel, tolls, fines and other applicable charges.</p>
<h3>Can I Get a Loan Car While Waiting for My Accident Settlement?</h3>
<p>If you are eligible, yes. If your car is a total loss, the hire may continue until you receive your settlement payment, subject to the hire terms.</p>
<h3>How Long Can I Keep a Loan Car After an Accident?</h3>
<p>Usually for as long as your car is being repaired or, if it is a total loss, until you receive your settlement payment, subject to the hire terms. Keep the team updated so it can arrange collection.</p>
<h3>Is There an Excess if the Loan Car Is Damaged?</h3>
<p>Right2Drive offers a $0 excess on its replacement cars, subject to the conditions of your hire agreement. Tell the team about any accident or damage as soon as you can, and within 24 hours, and they will explain how the hire terms apply, including any damage charges that could apply.</p>
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<p>If you have been involved in a car accident that was not your fault, you may be eligible for an accident loan car. However, many drivers are unaware or unsure of their legal rights after a not-at-fault accident and may not know enough about how accident loan cars work. As a result, they are unable to make an informed decision about whether to apply for one.</p><p>To help you decide on your case, we have answered some commonly asked questions below.</p><h2>What Is an Accident Loan Car?</h2><p>An accident loan car, also called an <em>accident replacement vehicle</em>, is a vehicle provided to an <a href="https://www.right2drive.com.au/articles/are-you-eligible-for-an-accident-replacement-vehicle-at-no-cost-to-you" rel="noopener noreferrer nofollow">eligible driver</a> after a not-at-fault car accident. These vehicles are made available by credit hire providers like Right2Drive at no cost to the driver.</p><p>The replacement vehicle is provided for the duration of repairs. In the event that your car is deemed a total loss, the loan vehicle can be used until your settlement has been finalised.</p><h2>Who Covers the Cost of the Accident Loan Car?</h2><p>The hire cost is recovered directly from the at-fault party. As long as the not-at-fault driver complies with the <a href="https://www.right2drive.com.au/terms-conditions" rel="noopener noreferrer nofollow">terms and conditions of our agreement</a>, the cost is recovered from the at-fault driver or their insurer.</p><h2>Are There Any Costs for the Not-At-Fault Driver?</h2><p>While the hire cost is not charged to you, you are still responsible for everyday vehicle use costs (running costs), just as you would be with your own vehicle. These include:</p><ul><li><p>Fuel</p></li><li><p>Tolls (and their related administrative fees)</p></li><li><p>Traffic or parking infringements (and their associated administrative fees)</p></li></ul><p>In some circumstances, you may also have to pay for vehicle cleaning if the car is returned in poor condition, or for excess or damage (if unacceptable wear and tear is spotted).</p><h2>What Are You Entitled To In A Car Accident?</h2><p>When you are the not-at-fault driver in a car accident, you are <a href="https://www.right2drive.com.au/articles/most-aussie-drivers-are-unaware-of-their-rights-after-a-not-at-fault-car-accident" rel="noopener noreferrer nofollow">legally entitled</a> to be put back in the position you were in prior to the accident. You have the right to a like-for-like accident loan car for the duration of your car’s repairs or until your insurance claim is settled.</p><h2>What Is a Like-for-Like Vehicle?</h2><p>A like-for-like vehicle is one that is equivalent to your own, matching its type, size, and use. While we make every effort to provide a comparable vehicle, availability can vary. If we do not have a similar option available, we discuss suitable alternatives with you to make sure the loan car meets your needs.</p><h2>What Are the Obligations of the Not-at-Fault Driver?</h2><p>When you receive an accident loan car, you agree to abide by the terms and conditions of the agreement. When you hire with us, your obligations include:</p><ul><li><p>Sharing full contact details of the at-fault driver and their insurer</p></li><li><p>Providing all required documents (including a copy of your physical driver’s licence).</p></li><li><p>Being open and honest with us and not misleading us in any way</p></li><li><p>Not releasing, or attempting to release, the at-fault party from any of your rights in respect to the accident</p></li><li><p>Providing us with assistance in the recovery process, which may include repair invoices and witness statements</p></li><li><p>Advising us promptly when your car repairs are complete, or you are notified of a total loss settlement.</p></li></ul><h2>If You Do Not Have Insurance, Are You Still Eligible For An Accident Loan Car?</h2><p>Yes, regardless of whether you hold your own insurance policy, you are still entitled to an accident loan car when you are the not-at-fault driver. You can <a href="https://www.right2drive.com.au/am-i-eligible?utm_source=blog&amp;utm_medium=blog-banner&amp;utm_campaign=blog-banner" rel="noopener noreferrer nofollow">check your eligibility</a> on our website.</p><p>Have more questions? Visit our <a href="https://www.right2drive.com.au/faqs" rel="noopener noreferrer nofollow">FAQs page</a> for comprehensive answers. If you still cannot find what you are looking for, get in touch with our team on 1300 361 512.</p><h2>Right2Drive Helps You Get Back On the Road After an Accident</h2><p>At Right2Drive, we believe in upholding the rights of drivers who are not at fault. If you have been in a car accident recently, you have every right to be placed in the same position as you were before the accident. This simply means you should not have to bear repair costs, or, for that matter, towing costs, and you should be able to drive again and continue your daily life with minimal disruption if you were not responsible for the collision.</p><p>This is exactly where Right2Drive steps in and provides a replacement vehicle while your own car is being repaired. You do not have to be worried about the cost, as we recover it from the liable party and their insurer. This is not all, we also offer pick up and drop off services at your doorstep, as we understand that things might already be challenging right after a car accident. We ensure that your daily life continues smoothly while you focus on healing and pursuing insurance claim settlement.</p><h2>Frequently Asked Questions (FAQs)</h2><h3>What Is an Accident Loan Car, and How Does It Work?</h3><p>An accident loan car is a replacement car provided to you while your own car is undergoing repair. In case your car is totally damaged, you can use this replacement car until you receive your total settlement. You can reach out to Right2Drive to apply for and receive an accident loan car.</p><h3>Who Pays for the Loan Car After a Not-at-Fault Accident?</h3><p>As a not-at-fault driver, you only need to cover fuel, tolls, and other expenses, not the car hire cost. Credit hire companies work directly with the at-fault driver and their insurer to recover the cost of the service.</p><h3>Can I Get a Loan Car While Waiting for My Accident Settlement?</h3><p>Yes. If eligible, you can drive an accident loan car hired from Right2Drive for the duration of the repair or until your claim is being processed. You will not be left without transportation during a challenging time.</p><h3>How Long Can I Keep a Loan Car After an Accident?</h3><p>You can keep the loan car after an accident for a reasonable period of time, which is usually the time it takes to get your original car repaired or until you receive a settlement (this applies if your car is completely wrecked and cannot be used at all).</p><h3>Is a Loan Car Free If I’m Not at Fault in an Accident?</h3><p>Loan car accident service providers retrieve rental costs from the at-fault party and their insurers. However, you still have to cover fuel, tolls, and other expenses related to daily car use as you normally would with your own car.</p>

Not At Fault after An Accident?

Compare a hire car through your insurer, a rental you pay for and an accident replacement vehicle, and see who pays and how long each lasts.

Rental Car or Accident Replacement Vehicle: What Can You Get After an Accident?

Statutory and repairable write-offs, the Written-Off Vehicles Register, insurance payouts and rego refunds by state, plus replacement transport while you wait.

Everything You Need To Know About Car Write-offs

Is Your Car A Write-off? Not At Fault?

Will You Lose Your No Claim Bonus for Reporting an Accident That Wasn't Your Doing? 

An accident loan car is a replacement car provided to you while your own car is undergoing repair. In case your car is totally damaged, you can use this replacement car until you receive your settlement payment, subject to the hire terms. You can reach out to Right2Drive to apply or check your eligibility online.

For an approved hire, Right2Drive recovers the hire cost from the at-fault driver's insurer, so eligible drivers do not pay the vehicle hire cost. You remain responsible for fuel, tolls, fines and other applicable charges.

If you are eligible, yes. If your car is a total loss, the hire may continue until you receive your settlement payment, subject to the hire terms.

Usually for as long as your car is being repaired or, if it is a total loss, until you receive your settlement payment, subject to the hire terms. Keep the team updated so it can arrange collection.

Right2Drive offers a $0 excess on its replacement cars, subject to the conditions of your hire agreement. Tell the team about any accident or damage as soon as you can, and within 24 hours, and they will explain how the hire terms apply, including any damage charges that could apply.

Accident Loan Cars: Your Questions Answered

Not At Fault after An Accident?

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