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Contact or call for free on 0333 358 3034
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Talk through the details of your claim
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Secure the compensation you deserve
Hiring a Car After a No-Fault Accident
And File A Personal Injury Claim for Compensation
Car collisions can happen in an instant leaving you without your much needed daily transport, so hiring a car after a no-fault accident with no upfront costs is a quick and easy solution.
If the accident was not your fault and you don’t want to claim through your own insurance, the process of credit hire puts the onus of paying for a hire car onto the third-party insurance.
In short, credit hire is a service which allows no-fault drivers to hire a replacement vehicle while theirs is being repaired. The cost is deferred and later claimed from the at-fault driver’s insurance. The hire company provides a ‘like-for-like’ vehicle on credit and recovers costs from the insurer of the driver who caused the accident.
Hiring a Car After a No-Fault Accident
If your car is undrivable or needs repairs, here’s how to get a hire car quickly through a credit hire arrangement:
Report the Accident
Make sure to notify your insurer about the accident, even if you are not at fault. You’ll also need to exchange details with the other party involved and collect any supporting evidence like photos or witness details.
Getting Back On The Road
We partner with an accident management company which specialises in helping no-fault drivers hire a car so that they can get back on the road without delay.
Eligibility Check
The accident management company will confirm that the accident wasn’t your fault and verify that the other driver’s insurer is liable. If accepted, they’ll move forward with arranging a hire vehicle for you.
Vehicle Repairs or Write-Off Process
If your car is repairable, the company may arrange for repairs through an approved garage. If it’s written off, they may assist with your insurance claim and vehicle valuation.
The key benefit is that everything is managed for you, reducing stress after an accident, while you don’t have to claim from your own insurance company. Additionally, you will not have to pay anything upfront for the car.
If You Have Been Injured
In addition to claiming for vehicle damage and arranging a replacement car through credit hire, you may also be entitled to compensation for any injuries sustained in the collision. This is if the accident was due to someone else’s negligence.
A personal injury claim for compensation typically covers physical injuries, pain and suffering, as well as financial consequences from the accident. In road traffic accidents, these claims typically cover:
- Whiplash and soft tissue injuries
- Fractures or broken bones
- Back or spinal injuries
- Psychological trauma (e.g. anxiety or PTSD)
- Loss of earnings
- Medical expenses
If your injuries have affected your quality of life or caused you financial losses, it’s worth exploring whether you’re eligible to claim.
You must be able to show that your injury was a direct result of the accident — through medical records, witness statements, or expert evidence.
Step-by-Step Guide to a Personal Injury Claim
Seek Medical Attention
Even if your injuries seem minor at first, it’s important to get checked by a medical professional. Your health should come first, and the medical record will also serve as key evidence in your claim.
Gather Evidence
You’ll need to obtain supporting documentation to strengthen your claim, such as:
- Accident reports or police involvement (if applicable)
- Medical records and treatment notes
- Photographs of injuries or the accident scene
- Witness statements
- Proof of expenses (travel costs, loss of earnings, care needs)
Valuing Your Claim
Your solicitor will help assess the value of your claim based on:
- General damages: For pain, suffering, and loss of amenity
- Special damages: For financial losses, including time off work, treatment costs, and property damage
They may also refer you to a medical expert for an independent assessment.
Get In Touch
Personal injury claims can be complex, and an experienced solicitor will help you to gather evidence and get the compensation you deserve.
If you need to file a personal injury claim or hire a car after an accident, Jefferies Claims can help.
We work with highly experienced lawyers who operate on a ‘No Win, No Fee’ basis and we will give you the support and understanding you need.
Call us at 0333 358 3034 or visit Jefferies Claims Contact Us Page for an initial, no-obligation consultation with a member of our friendly team.