Not at fault accident - car rental duration

• 

  Hybroid on 15/03/2021 - 19:47

  +7

  What does your policy say in regards to rental cars during claim? That'll answer all your queries.

  You can drive out of a second hand car dealership in an hour or two with a purchase so not a valid excuse.

  • 

    mlionel20 on 15/03/2021 - 20:03

    -7

    Not my policy as not my claim as not my fault. Not expecting infinity period but maybe 2 to 3 weeks for me to get a new car sorted.

    • 

      Hybroid on 15/03/2021 - 20:11

      +11

      That's not a reasonable expectation.

• 

  Quantumcat on 15/03/2021 - 19:49

  +26

  Rental cars are just for when your car is being assessed or repaired. The question of what's happening with your car is resolved. Once you are paid the insurance doesn't need to have anything more to do with you - your problem is resolved as far as they can see. It will be your own problem to get a new car or pay for a rental car longer if you so choose.

  • 

    newjerseydamo on 16/03/2021 - 09:14

    This.

    Rental cars are for the duration of the claim. Once the claim is settled, there is no further need for the rental car.
    Insurance isn't there to cover you for whilst you don't have a car, it's there to repair/replace a car. If there is no car, there is no further need for insurance.

• 

  Pelicannn on 15/03/2021 - 19:53

  +1

  As soon as your insurance claim is processed for a write off, the insurance contract is completed. Unlimited days hire car won't help you here if you no longer have the policy. The only amendment I can see to that is new for old but then I reckon the original contract of insurance is still valid, so you can keep the hire car till the new car comes in.

• 

  AndyC1 on 15/03/2021 - 20:05

  I had the car for 7 days after agreeing to the payout form the insurance company. Notice agreeing, which took about 3 days to haggle over the payout.

• 

  PissLUR on 15/03/2021 - 20:52

  +1

  in 3 days.

  that's quite reasonable as its not your insurance account. you would expect payment on this day.

• 

  Randxyz123 on 15/03/2021 - 21:03

  +4

  You can't keep the car for weeks. If you order a new car that has a lead time of 6 months, you can't have a rental for that time. Maybe if you claimed through your policy and had new for old, you might be able to but good luck arguing that if they aren't your insurer.

  If you are working full time, I'd possibly see if you can keep it till next week so you have another weekend to look at cars.

• 

  SF3 on 15/03/2021 - 21:29

  +2

  I think your case is as solid as your I Do My Own Bookkeeping - Tax Deductible?

  • 

    AustriaBargain on 15/03/2021 - 22:01

    +2

    You can't employ yourself btw, in case anyone is too lazy to read the funny replies.

• 

  Ryanek on 15/03/2021 - 22:05

  I'm curious, If you had a choice how long would you like to have a rental car for?

  • 

    Muzeeb on 15/03/2021 - 22:31

    3.14159 weeks

    • 

      jv on 15/03/2021 - 23:41

      3.14159 weeks

      Only if it was a Pi-ninfarina

      • 

        holdenmg on 16/03/2021 - 04:59

        22 to 7 odds?

  • 

    mlionel20 on 15/03/2021 - 23:10

    2-3 weeks to get a new car. Obviously I can order a car that is only released in 6 months which is unreasonable. But I thought 2-3 weeks to sort out a new car is reasonable.

    • 

      Quantumcat on 16/03/2021 - 06:58

      One you're paid out if you want to use that money for renting a car that's up to you

    • 

      singlemalt72 on 16/03/2021 - 08:35

      Depends on the model you are after - with the demand at the moment some models are pre-sold months in advance.

• 

  saliya on 15/03/2021 - 23:28

  "replacement" implies that the new vehicle covers all aspects of the old.

  e.g. if you have a car insurance policy that covers rental until replacement, and your car is an Unobtainium La Ferrari, and you can't take delivery of a replacement for 30 years, then your policy covers 30 years of rental until replacement.

  NAL, NLA but suggest "I'll return the rental as soon as you put me back into my old car or an equivalent"

  • 

    robberbutton on 17/03/2021 - 12:20

    e.g. if you have a car insurance policy that covers rental until replacement, and your car is an Unobtainium La Ferrari, and you can't take delivery of a replacement for 30 years, then your policy covers 30 years of rental until replacement.

    I have my doubts that any policy would have that wording. Mine (Allianz) is very clear:

    We will provide the rental car or daily travel allowance benefit:
    • for a maximum period of 30 days; or
    • until the repairs have been completed; or
    • until we settle your claim by paying you the agreed value or market value, whichever happens first.

    NRMA is the same:

    up to $100 a day for a hire car until whichever of these events happen first:
    –your vehicle is recovered and doesn’t need any repairs
    –your vehicle is repaired, or
    –we pay your claim for a total loss

    Even Shannons is the same:

    The cover stops the day:
    • your motor vehicle or motorcycle is returned undamaged;
    • we repair your motor vehicle or motorcycle and return it to you;
    • we settle your claim.

• 

  deme on 16/03/2021 - 00:33

  3 hours

• 

  Hithere on 16/03/2021 - 07:56

  Long enough for OP to post a complaint on OzBargain and not a minute more.

  Decide which new car you want, you have 3 days, and negotiate a loan car from the stealership in the deal until it turns up.

  • 

    SF3 on 16/03/2021 - 20:09

    Busy car 🚗 shopping.