When Are You Entitled to a Replacement Car After a Traffic Accident?
Traffic accidents can happen at any time, and if you are unable to use your car due to one, a replacement car is one of the most common services people look for. However, it’s important to know when and under what conditions you are entitled to this service.
1. What You Need to Know About Getting a Replacement Car
According to Lithuanian law, if you are involved in a traffic accident and are not at fault, you may be entitled to a replacement car. This is a common practice in many countries, including Lithuania, but certain conditions must be met. If the accident was caused by another party and you have insurance, your insurance company will generally arrange for a replacement car.
A replacement car is provided so that you can continue with your daily life and work while your vehicle is temporarily out of use. This service may be free of charge if the accident was not your fault and if it was caused by another person.
2. When Does the Insurance Company Provide the Service?
Most often, the insurance company provides a replacement car if your car was damaged in the accident. However, for this to happen, your car must be covered by KASKO or other suitable insurance policies.
“We typically provide a replacement car when it’s specified in the insurance policy. If the accident was not your fault, we ensure that the client has the option to get a replacement car while their vehicle is being repaired,” says a representative of one insurance company.
3. What Happens If You Are at Fault?
If you are the at-fault party, you may only be entitled to a replacement car if this service is specified in your insurance policy. In this case, you may need to pay for the service yourself. However, if your insurance company does not provide a replacement car, you might be able to use other options, such as renting a car at your own expense, but this may require additional arrangements with the insurance company.
4. Replacement Car by Court Order
Sometimes, additional legal steps are required after a traffic accident. This is especially important if the insurance company refuses to provide a replacement car or if you disagree with the determination of fault by the other party. In such cases, you may need to go to court to claim compensation for damages, including the provision of a replacement car.
5. What’s Included in the Replacement Car Service?
Each insurance company may offer different terms for the replacement car service, but generally, the vehicles provided are similar to your own in terms of comfort. These are typically compact sedans or station wagons, which allow for comfortable travel both in the city and in the countryside.
If you need transportation services for a longer period, consult with your insurance company to see if they can provide a car that suits your needs.
6. Practical Tips on How to Get a Replacement Car
- Provide all the required documents. In the case of a traffic accident, quickly fill out all the reports and submit them to the insurance company.
- Check if your insurance covers this service. Many insurance companies provide replacement cars only if you have full KASKO insurance.
- Cooperate with the other parties involved in the traffic accident. If the accident was caused by another party, quickly agree on the responsible person’s insurance details.
Conclusion
A replacement car can be essential to avoid inconvenience after a traffic accident. Learn your insurance terms and consult with experts to find out how to get this service and avoid unnecessary hassle. Remember, this service is usually provided only if the accident was caused by another party or if your insurance policy covers it.
