Was I right to refuse a hire car from my insurance company?

Last Tuesday a lady in an automatic Golf rammed me when I was stationary, I think owing to your frequently-mentioned habit of pressing the wrong pedal.

There was a lot of damage to my car, but she drove off with only a trace of my paint on her Golf. LV has already stated that it will not charge me my excess as they are confident that the other party's insurance company will cough up. LV offered me a car from Enterprise but I declined the use of a replacement car as I do not share this confidence that an insurer, with very little damage to its own policyholder’s car, will want to spend hundreds repairing mine. Was I right?

Asked on 3 October 2012 by HR, Hampton

Answered by Honest John

I think you were right, and I'm surprised that LV were getting in with a credit hire operator. Their ability to get back the daily rental fee would depend what it was against Enterprise's normal daily rate and against the GTA rates set out by insurers. See: www.honestjohn.co.uk/faq/what-is-credit-hire/

Tags: insurance claims credit hire courtesy cars

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