I had a car accident two weeks ago and my car was a rite off.?

Most policies will offer a you a substitute car while your own is being repaired only - so as yours is a write-off, you wouldn't be entitled to one. How long would you expect them to give it to you for?

If you pay your insurance monthly, that's your own arrangement with the insurance company, nothing to do with the accident.

I know someone who crashed her car about six weeks after buying it - she was stuck with her insurance payments for the rest of the year, plus a car loan for three years... it happens.

I hope there were no injuries because of the accident. Good luck.

rocky w

i assume your :hire car" is a rental, if you don't have rental coverage they won't provide one "unless" your accident was someone elses fault, then you are entitled to a car, if you have coverage they should have put you in a rental the same or next day after the accident, hope this helps

clever investor

No I wouldnt, call the insurance company and tell them you want them to pay for the hire car untill they pay you the money to replace your car. Also tell them if they dont agree with this you will contact the insurance ombudsman and settle it through them. If they dont agree call the ombudsman and discuss your case and they will tell you to stop all payments and get the matter settled very quickly.
I have heard of this before and it is the insurance company playing games to save money that they think they can get away with.

greybeard

Probably not fair, but there, insurance is never fair, its all in the "small print" you think that you are covered and then find out that you are not"

dave

a lot of the answer are right, but if you read your policy book back to front that will more than likley have the answer. most insurers are offering the cover at an additional cost. i would recomment that you continue to pay the insurance as if it is you fault then your premium is usually due in full. if you refuse to pay they have the right to take you to court and then you screwed other ways than just being out of pocket. the ombusman will not help if your documents do not state you have covered for a car in the vent of a total loss claim.
good luck

robin

If the accident was non fault, you should be able to claim for out of pocket expenses from the third party i.e hire car charges. If the accident was your fault or 50/50 you will probably not be entitled to a car. If you accept the value of your car from the insurers you should receive a cheque. Also the premiums that you are paying still will go towards the new car insurance. If you do not replace the car and the accident was not non fault the insurers will deduct any outstanding premium from you claim cheque.

mazamoore

Unfortunately, unless a third party vehicle was involved & the accident was their fault - you are not entitled to a hire car. You only get a hire car or courtesy car whilst yours is in for repairs. If there was another car involved & the accident was their fault then your uninsured loss company will normally sort you out with a hire car & charge it to the third party insurers. I'm afraid it is totally unfair, and your insurers are entitled to have the full years insurance premium from you as they will be paying out for your claim, best to buy another car to insure as soon as possible.
Good Luck.

Broker for 10 years.

fred405

Yes if you do not have specific hire car coverage

If the accident was not your own fault then the insurance company should pay out quite quick. Get on to tha claims administrator daily for an answer and if that fails ask for a claims manager

Make it every day at the same time and they will get fed up with you keep calling and asking for the same person with the same questions

navps78

Once they settle the claim have them back date a suspension of coverage or a cancellation to the date of loss. Legally they are required to do this. But general practice is to keep coverage on it until the claim is settled because you are still the legal owner until they settle the payout. You would still be legally liable for anything that could arise. I would assume all companies would then reimburse you from the date of the loss once settled. This is general practice in Canada however.

The Fat Controller

it will all be in the conract you sign sorry might not be fair but it is legal

a m

u have no car so why carry on paying for it, id stop paying, then shop around when u have a new car to insure

roady42

Your policy states very specificaly if you have rental insurance or not, so it doesnt matter if you continue to pay policy or not.
Its in black and white.

Bardic

A hire car (if you're entitled) is provided to tide you over while yours is being repaired. Yours clearly isn't being repaired, so no hire car.

Jessica H

Insurance companies are never fair. The consumer always gets the shaft. We pay insurance companies for the privledge to drive but when we have an accident we are almost always left to swing in the wind. I would cancel the insurance policy after they settle and find another one for your automotive coverage.

808fl

Was it your fault are you full comp
If not your fault you claim off the other drivers ins and you are entitled to a curtisy car from them
if your fault unless it states on your policy afraid not

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