If your work vehicle has been involved in an accident, you’ll likely be without it for anywhere from a few days up to a number of weeks while your vehicle is being repaired. This can not only be an inconvenience but also impact your work and potentially your income. While when you’re without the vehicle you use for personal transport you could get by relying on friends or family for ad-hoc trips, when you need a vehicle for work, that’s not an option.
The good news is that there are options available to keep you on the road and they don’t have to cost you anything out of your own pocket either. There are a couple of different ways you can go about getting a replacement vehicle to drive while yours is off the road – here are the basics of how they work.
Getting a hire vehicle covered by your insurer
If you have comprehensive car insurance, you may have a hire car option included with your policy. Some insurers have preferred providers who they will organise the hire car through for you, and the hire car will generally be similar to your insured vehicle. The arrangements can vary between different insurers and their policies so talk to your insurer to see how you can arrange a replacement vehicle.
Not all comprehensive insurance policies have a hire car option included as it’s generally an extra you need to have chosen when you took out your policy. If a hire car option isn’t included in your policy or you don’t have comprehensive insurance and you were not at fault in the accident, read on to find out how you can get a replacement vehicle at no cost.
Getting an accident replacement vehicle covered by the at-fault party
If you’re involved in an accident and are not at-fault, legally you may be entitled to a replacement vehicle at the expense of the at-fault party. Not only does this option not cost you anything, it can also be very convenient when you go through an accident replacement vehicle provider who specialises in this service.
There are a number of conveniences that you can take advantage of with an accident replacement vehicle. Firstly, the provider can charge the cost of the replacement vehicle to the other party’s insurer so you don’t ever have to pay anything out of your own pocket. Often they can also arrange to drop the car off to you at your repairer and pick it up from there afterwards so you don’t need to worry about arranging other transport for these trips.
If you were at fault in the accident, while you will need to pay for a replacement vehicle yourself, you may also be able to get competitive rates and take advantage of these conveniences through an accident replacement vehicle provider.
Being involved in an accident with your work vehicle can be a stressful time, but taking advantage of these options for a replacement vehicle can make getting on with work as usual a little easier.