Credit Hire Claims

Credit Hire Claims We Commonly Handle

Credit hire arrangements can quickly become complicated, especially when insurers challenge the costs involved. At HPA Solicitors, we have extensive experience in dealing with disputes where a vehicle has been supplied post-accident under a credit hire agreement.

Our team works with both individuals and credit hire companies to ensure the full recovery of costs in accordance with credit hire law. Whether you’re a claimant or a business managing a fleet, our credit hire lawyers provide tailored legal support to ensure disputes are resolved fairly and efficiently. 

Some of the most common credit hire claims we manage include:

• Claims Where the At-Fault Driver's Insurer Refuses to Pay – Disputes over daily hire rates, duration, or type of vehicle provided.
• Taxi or Commercial Vehicle Replacement – Ensuring lost earnings are accounted for while using a replacement vehicle.
• Claims Involving High-Value or Specialist Vehicles – Helping clients recover appropriate costs for comparable replacements.
• Cases Involving Challenges to Need – Where the defendant argues a hire vehicle wasn’t necessary or reasonable.
• Delayed Vehicle Repairs – Extending the hire period beyond initial estimates and justifying the ongoing need.

Proving Reasonable Need & Navigating Legal Disputes in Credit Hire

In many credit hire cases, the dispute isn’t just about the hire cost — it's about whether the claimant acted reasonably in needing a replacement vehicle. 

That’s where the law becomes nuanced. As your credit hire solicitor, we help demonstrate that the vehicle you received matched your needs and circumstances, and that delays in repair or replacement were not your fault. This is especially relevant in cases involving specialist vehicles, commercial use, or when alternative transport wasn’t feasible.

We use case law, repair documentation, and third-party statements to prove necessity, counter insurer objections, and support the full recovery of your claim. 

We’re also highly familiar with the nuances of credit hire law, including key rulings and insurer tactics, which means we’re equipped to challenge any pushback on your behalf. Whether your claim is straightforward or complex, we make sure your position is clearly and professionally represented.

Your Legal Right to Credit Hire Compensation

If you’ve received a hire vehicle following an accident that wasn’t your fault, the cost should be covered by the at-fault driver’s insurer — not you. However, insurance companies often dispute credit hire costs, particularly in terms of rates or hire duration. 

Key facts about credit hire compensation:

• You’re Entitled to a Comparable Vehicle – If your car is undriveable, you don’t have to settle for less.
• The At-Fault Party Is Responsible – Credit hire is recoverable when the accident wasn’t your fault.
• Legal Action May Be Needed – If insurers refuse to pay, we can pursue the claim through the courts.

How Our Credit Hire Solicitors Can Help You

Our expert credit hire solicitors handle claims quickly and professionally, allowing you to focus on recovery while we manage the legal work. Here’s how we support you:

• Clear Guidance Through the Credit Hire Claim Process – So you know what to expect at every step.
• Evidence & Documentation Support – Gathering proof of hire necessity and rates.
• Strong Representation in Disputes – Whether dealing with insurers or preparing for court.
• No Win, No Fee Legal Options – Offering accessible help without upfront cost.

Contact Our Credit Hire Solicitors Today

If you need help with a dispute over a hire vehicle after a non-fault accident, our experienced credit hire solicitors are ready to assist. Reach out to HPA Solicitors today and let us help you claim what you’re rightfully owed.