Your Car Is Being Repaired: Who Actually Pays for the Replacement?
Four parties, one hire bill, and a payment chain nobody explains at the start. Who is actually out of pocket at each stage while your car is in the shop.
Guides
Practical guides to hiring a prestige car in Sydney: what a bond and a hold really are, whether you need a credit card, how to get the best price, how the rental majors compare, and whether a luxury hire is worth it for your trip. Plain answers, with the figures.
Written Off and Not at Fault: What Happens to Your Replacement Vehicle
A write-off changes the entire shape of a not-at-fault claim, and it changes when the replacement vehicle stops. What total loss means and how the hire period ends.
What to Do in the First 24 Hours After a Not-at-Fault Accident in Sydney
The decisions that determine how a not-at-fault claim goes are mostly made in the first day, usually by someone shaken and standing on the side of a road. A practical order of operations.
Loss of Use, Physical Inconvenience and Loss of Amenity: What the High Court Actually Said
Everyone calls it loss of use. The High Court said that phrase is inadequate, and the substitution it made is the reason you can claim an equivalent car rather than merely a working one.
Prestige Vehicle Owners: Getting a Like-for-Like Replacement, Not a Corolla
The offer that arrives after a not-at-fault accident is usually a small hatchback. That is an opening position, not your entitlement. What broadly comparable actually means when the damaged car was expensive.
Not at Fault in a Car Accident in NSW: What You Are Actually Entitled To
If someone else damaged your car, you are generally entitled to the reasonable cost of hiring a broadly equivalent replacement while yours is off the road. Not a base model. Here is what the High Court actually decided.
How Long Can You Keep a Not-at-Fault Replacement Car in NSW?
Duration is one of the three things an insurer can still argue about after the High Court decision. How long a replacement reasonably runs, and what shortens it.
Do I Need to Claim on My Own Insurance if I Was Not at Fault?
You generally have a choice: claim on your own policy, or claim directly against the at-fault driver. They lead to different places, and the excess is only part of it.
Credit Hire vs Paying Yourself: How Accident Replacement Billing Works
Two ways to fund a replacement vehicle after a not-at-fault accident, what each actually costs you, and the clause in a credit hire agreement worth reading twice.
Common Reasons an Insurer Disputes a Hire Car Claim
After the High Court closed off the need argument, disputes moved to three places: rate, duration and comparability. What each objection looks like and what answers it.