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How Does An Accident Loan Car Differ From The Car Hire Option On An Insurance Policy?

<p>When you’ve been involved in a car accident, you may be stranded without a way to get around while your car is in for smash repairs. If you’re confused between accident replacement vehicles and the rental cars you may be able to receive when you make an insurance claim, keep reading.</p><h2>Does Your Insurance Cover A Rental Car After An Accident?</h2><p>Rental car cover usually varies depending on whether you were at fault in a car accident.</p><p>If you are the&nbsp;at fault driver, most insurers only provide a rental car on an insurance claim if you’ve purchased this as an optional extra on your insurance policy. The conditions surrounding the use of the hire car, including the length of time you have access to it, depend on what is set out in your Product Disclosure Statement (PDS).</p><p>If the accident was&nbsp;not your fault, some insurers offer policies that include cover for a rental car. The type of car you may have access to, as well as the duration you’re allowed to use it, vary depending on the insurer and what they offer on the insurance policy you have.</p><p><img alt="It's important to know if you may be able to receive a rental car from your insurer after a not at fault car accident, as well as what your PDS stipulates if you've purchased a hire car as an optional extra on your insurance policy." src="https://www.right2drive.com.au/wp-content/uploads/2022.11.24-Blog-Post-Image-1.jpg" title="" resizable="false"></p><h2>What If I Don’t Have A Hire Car As An Optional Extra on My Insurance Policy?</h2><p>Taking out car hire as an optional extra will also cost you extra, and will likely increase your insurance premium, which means some people elect not to pay for a hire car on their insurance policy.</p><h2>What If I Was At Fault?</h2><p>If you don’t have the car hire extra on your insurance policy and you’re at fault in an accident, you’ll most likely need to look at car hire options and car rental prices while your own car is being repaired.</p><h2>What If I Wasn’t At Fault?</h2><p><img alt="" src="https://www.right2drive.com.au/wp-content/uploads/2023/07/RTD_Customer_026_LR-e1688449723565-1024x499.jpg" title="" resizable="false"></p><p>If you were in a not at fault car accident, Right2Drive may be able to assist you with an accident replacement vehicle. Unlike the optional extra of a hire car on your insurance policy that you may have to pay for, our accident loan cars come at no cost to the eligible driver. We uphold your right to drive and work on behalf of our customers to recover our fees from the at fault party or their insurer. Plus, we offer a range of benefits to not at fault drivers:</p><ul><li><p>We’ll arrange vehicle drop-off and pick-up at a time and location convenient to you.</p></li><li><p>You’ll receive a like-for-like replacement vehicle for the total length of the repair, or in the case of total loss, until you receive settlement on your car.</p></li><li><p>There are no ’25 and under’ age limitations on our service, but eligible drivers do need to hold a valid Australian learner, provisional, or full driver’s licence.</p></li><li><p>There’s no additional cost to you or higher excess for an additional driver, or if a family member on L or P Plates drives the accident loan car,&nbsp;so long as we have validated the licence of each authorised driver.</p></li><li><p>We don’t charge an upfront bond or an excess if the loan car is damaged, provided you comply with the terms and conditions set out in your rental agreement.&nbsp;In the event of malicious damage, you will be liable for the loss or damage caused.</p></li><li><p>We can provide a car seat or car booster seat for the duration of your hire, if you need one.</p></li></ul><p></p><p><a href="https://apply.right2drive.com.au/WebLeadGenerate?AdditionalParams=dyt6aEo2RWd1Sm8yQUQxbmw4anNwZ2k0aFNPcDdwYkRHMnlwNFgwVW5ZSDJIbUgvYlBNWm5YbG1mM2VyWjJFOTE4L0s2Smw0SHJrTHBRSzlGSGlNTk1FTmpmd0k2OCtjTHZrcnRoSDY1cnQrUzNjRDdEWitqdTZmUVNxYVc0eFF6TEU2b1NXYTJ6ekxaNE5FNkRLRnl5S3dIMjU3eEM2OUppWEtwYnhKdkNkR0REWWpqbEpLK2VBMjdFS2Y1S0hUWVFXZk9Pd3FZdXJSWTRWNHFqZEgwU3VNdytuTlMvRnc2TDdmSFk0LzNOcz0=" rel="noopener noreferrer nofollow">Apply now</a>&nbsp;or check your&nbsp;<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">eligibility.</a></p>

<p>When you’ve been involved in a car accident, you may be stranded without a way to get around while your car is in for smash repairs. If you’re confused between accident replacement vehicles and the rental cars you may be able to receive when you make an insurance claim, keep reading.</p><h2>Does Your Insurance Cover A Rental Car After An Accident?</h2><p>Rental car cover usually varies depending on whether you were at fault in a car accident.</p><p>If you are the&nbsp;at fault driver, most insurers only provide a rental car on an insurance claim if you’ve purchased this as an optional extra on your insurance policy. The conditions surrounding the use of the hire car, including the length of time you have access to it, depend on what is set out in your Product Disclosure Statement (PDS).</p><p>If the accident was&nbsp;not your fault, some insurers offer policies that include cover for a rental car. The type of car you may have access to, as well as the duration you’re allowed to use it, vary depending on the insurer and what they offer on the insurance policy you have.</p><p><img alt="It's important to know if you may be able to receive a rental car from your insurer after a not at fault car accident, as well as what your PDS stipulates if you've purchased a hire car as an optional extra on your insurance policy." src="https://www.right2drive.com.au/wp-content/uploads/2022.11.24-Blog-Post-Image-1.jpg" title="" resizable="false"></p><h2>What If I Don’t Have A Hire Car As An Optional Extra on My Insurance Policy?</h2><p>Taking out car hire as an optional extra will also cost you extra, and will likely increase your insurance premium, which means some people elect not to pay for a hire car on their insurance policy.</p><h2>What If I Was At Fault?</h2><p>If you don’t have the car hire extra on your insurance policy and you’re at fault in an accident, you’ll most likely need to look at car hire options and car rental prices while your own car is being repaired.</p><h2>What If I Wasn’t At Fault?</h2><p><img alt="" src="https://www.right2drive.com.au/wp-content/uploads/2023/07/RTD_Customer_026_LR-e1688449723565-1024x499.jpg" title="" resizable="false"></p><p>If you were in a not at fault car accident, Right2Drive may be able to assist you with an accident replacement vehicle. Unlike the optional extra of a hire car on your insurance policy that you may have to pay for, our accident loan cars come at no cost to the eligible driver. We uphold your right to drive and work on behalf of our customers to recover our fees from the at fault party or their insurer. Plus, we offer a range of benefits to not at fault drivers:</p><ul><li><p>We’ll arrange vehicle drop-off and pick-up at a time and location convenient to you.</p></li><li><p>You’ll receive a like-for-like replacement vehicle for the total length of the repair, or in the case of total loss, until you receive settlement on your car.</p></li><li><p>There are no ’25 and under’ age limitations on our service, but eligible drivers do need to hold a valid Australian learner, provisional, or full driver’s licence.</p></li><li><p>There’s no additional cost to you or higher excess for an additional driver, or if a family member on L or P Plates drives the accident loan car,&nbsp;so long as we have validated the licence of each authorised driver.</p></li><li><p>We don’t charge an upfront bond or an excess if the loan car is damaged, provided you comply with the terms and conditions set out in your rental agreement.&nbsp;In the event of malicious damage, you will be liable for the loss or damage caused.</p></li><li><p>We can provide a car seat or car booster seat for the duration of your hire, if you need one.</p></li></ul><p></p><p><a href="https://apply.right2drive.com.au/WebLeadGenerate?AdditionalParams=dyt6aEo2RWd1Sm8yQUQxbmw4anNwZ2k0aFNPcDdwYkRHMnlwNFgwVW5ZSDJIbUgvYlBNWm5YbG1mM2VyWjJFOTE4L0s2Smw0SHJrTHBRSzlGSGlNTk1FTmpmd0k2OCtjTHZrcnRoSDY1cnQrUzNjRDdEWitqdTZmUVNxYVc0eFF6TEU2b1NXYTJ6ekxaNE5FNkRLRnl5S3dIMjU3eEM2OUppWEtwYnhKdkNkR0REWWpqbEpLK2VBMjdFS2Y1S0hUWVFXZk9Pd3FZdXJSWTRWNHFqZEgwU3VNdytuTlMvRnc2TDdmSFk0LzNOcz0=" rel="noopener noreferrer nofollow">Apply now</a>&nbsp;or check your&nbsp;<a href="https://www.right2drive.co.nz/am-i-eligible?utm_source=blog&amp;utm_medium=blog-banner&amp;utm_campaign=blog-banner" rel="noopener noreferrer nofollow">eligibility</a><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">.</a></p>

Not At Fault after An Accident?

Who Is At Fault In A Car Accident?

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.

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

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.

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

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.

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

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).

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

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.

Is a Loan Car Free If I’m Not at Fault in an Accident?

Accident Loan Cars: Your Questions Answered

Legal Right To Pre-Accident State

After a car accident, it is advisable to do the following to protect your rights: Document the scene by taking photographs of the vehicles, registration plates, road signs, vehicle damage, and road conditions. Exchange contact information (phone number and address) with the other driver(s) and witnesses (if any). Also, ask for the driver’s insurance details. Notifying the police and seeking medical attention creates an official record of the incident, which will be useful for an insurance or personal injury claim later. Inform your insurance company about the incident and share additional details if requested.

What do I do after a car accident to protect my rights?

When a car accident is not your fault legally, do not leave the scene. Take photos and exchange details with the other party. Notify the police and speak with witnesses to get their contact details. Finally, notify your insurance company about the incident.

What to do after a car accident not your fault legally?

To document evidence at the scene of the car accident, you should take clear photos and videos, note the time and location of the incident, and collect information from witnesses. Later, obtain a copy of the police report and medical records after your check-up.

What to do in a car accident to document evidence?

If you’re facing car accident damage when uninsured, you can consider filing a third-party claim, where you can attempt to recover repair costs through the at-fault driver’s insurer. Seeking legal advice is advisable. A lawyer can help you understand your options and take legal action if necessary. If you were not at fault for the accident and need a replacement vehicle, contact Right2Drive to see how we can help you. Note that Right2Drive can only assist you if the at-fault driver is insured and admits fault or is proven liable.

What to do with car accident damage when uninsured?

If you’re in a car accident that’s not your fault, document the scene and maintain detailed records that include photos, witness details, police reports, and medical records. Speak with our team at Right2Drive to see if we can provide you with a replacement vehicle.

How Does An Accident Loan Car Differ From The Car Hire Option On An Insurance Policy?

Not At Fault after An Accident?

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