These problems can be resolved only by a car rental company. If the car that you use for business, commuting to work or treatment, was damaged in collision that it was not your fault, you can apply to a perpetrators insurance company to cover the costs of hiring a replacement vehicle. (w tej okolicy zdjecie kobiety z kluczykami )A replacement car will be granted to every driver who applies to it.
If liquidation of the loss is from the perpetrators liability insurance, the insurer covers the costs of hiring only if the record of it is in agreement. The driver, who wants to use a replacement vehicle, hoping that the costs of hiring will be covered by the insurance company, is obliged to inform about it the insurer in writing. In the same letter he must specify the reasons why the car is necessary. Because insurance companies may cause problems with reimbursement and this involves, among other things, handling office matters, clients loss of time and nerves, some car rental companies take care of such matters themselves.Refund of vehicle rental costs is possible only if rented car is the same or lower class and also after proving that the vehicle is necessary for work and that loss of the car will lead to health or financial loss. So before you rent a car you should make at the insurance company office a declaration of the sample content:, : "I declare that, due to damage of my vehicle used for business purposes / treatment (details), made by your client, I am forced to rent a replacement vehicle during repairs". Be sure to ask for acknowledgement of receipt of the document. Summing up: we report the damage to the Insurer who makes a vehicle inspection and prepares a report usually within a few days.
When service station makes its own damage assessment that is based on the protocol received from the insurer, it often turns out that re-inspection of a damaged car is necessary. Service station usually does not have all the spare parts and must order them, sometimes even from abroad. All this makes the preparation for the repair extend for several weeks, while the repair process itself takes only a few days. However, the determinant of the rental period is not technological repair time - so willingly interpreted by the insurance companies, but the actual time of immobility of the vehicle, because losses due to the lack of car can be felt from the moment of collision, that is why you are entitled to a replacement vehicle.
The insurance company may have a different opinion on this topic. It should be noted that the length of the period of preparation for repair depends, in the first place, on tardiness and poor work organization of the insurer, for which the injured party shall in no way bear the consequences!
The insurer sometimes tries to determine the maximum rate at which you can rent a replacement vehicle. However, regardless of whether it will cost 500 zł per day in the most expensive company on the market or 100 zł per day for the same car in the competitive company, according to the law, an insurer cannot recommend or make you to use the services of a particular company, and thus determine the rate at which you can rent a car. The only limit is common sense and the fact that you have the right to rent a vehicle of the same or lower class, but always in the company that you choose yourselves and at the price you agree on with the renter. In accordance with the law (Civil Code art. 361, 363, and 415, of the Minister of Finance of 24.03.2000. Journal of Laws of the Republic of Poland, No. 26 pos. 310 regarding third-party insurance), the insurer is required to satisfy the claims of the injured party to the extent that they do not feel any losses associated with occurrence of injury.
The injured persons firstly pay attention to cover the costs of repair and possibly rental and leave all the matters connected with collision related losses such as time spent on liquidation of the damage, phone calls, utility value of the repaired car, etc. Therefore, the responsibility of insurance companies it to cover the basic cost of renting a replacement vehicle, the law is on your side!
