Getting into a car accident is stressful — even more so when it’s not your fault. Beyond sorting out insurance and repairs, there’s a key question many drivers in Adelaide face: How do I get a rental car if the crash wasn’t my fault? Whether you’re headed to work, running errands, or planning a weekend getaway, losing access to your vehicle disrupts your life. The good news? With the right information and support from a trusted provider like ARV Hire, you can secure a “not my fault car rental in Adelaide” quickly and with confidence.
In this guide, you’ll learn how not my fault car rentals work, what your rights are, how to navigate insurance claims, and why choosing the right rental provider matters.
What Does “Not My Fault Car Rental” Really Mean?
When your car is damaged in an accident that wasn’t your fault, your car insurance policy often includes “hire car” or “rental car” benefits. This means your insurer may cover the cost of a replacement vehicle while your car is being repaired — at no additional cost to you.
This type of cover is commonly known as:
- Not at Fault Hire Car
- Replacement Vehicle After Accident
- Accident Rental Protection
If you haven’t purchased this option as part of your comprehensive car insurance policy, you may still be able to access a rental — it just might come at an additional cost.
Your Rights: When You’re Not at Fault
If the accident was clearly someone else’s responsibility, the at-fault driver’s insurer should cover your losses — including the cost for a replacement vehicle. Under the Australian Insurance Law, you can usually expect:
- A rental car of similar type and size
- Coverage from the date your car was taken for repairs
- Daily rental costs paid by the at-fault insurer
It’s important to document everything at the scene — police reports, photos, witness details, and written statements if possible — as this will strengthen your claim.
How to Arrange a “Not My Fault” Car Rental in Adelaide
Step 1: Contact Your Insurer Immediately
As soon as possible after the accident:
- Notify your insurer.
- Clarify that the accident was not your fault.
- Ask about your rent-a-car entitlement.
Step 2: Provide Necessary Documentation
Be ready to share:
- Police report or incident number
- Photos of the damage
- Contact details of the at-fault driver
- Your insurance policy number
The sooner your insurer has these details, the faster your rental can be arranged.
Step 3: Book With a Trusted Local Provider — like ARV Hire
Once approved, you’ll want a rental company that understands not my fault rental procedures and can coordinate with insurers quickly.
At ARV Hire, we provide:
✔ Wide range of vehicles — from compact cars to SUVs
✔ Fast turnaround — same-day pick-up available
✔ Direct billing to insurers (in many cases)
✔ Friendly support that explains the process step-by-step
You can start your booking here: https://arvhire.com.au/
Expert Tip: Ask your insurer if they require pre-approval for the rental booking. Some companies will only cover costs if the rental is arranged through an approved provider.
How Long Can You Have the Rental Car?
The length of your rental depends on:
- How long your vehicle is in repair
- Whether the at-fault insurer accepts liability
- The terms of your insurance policy
Typically, you’ll be covered from the moment your car enters the workshop until it’s ready for the road — provided the repair timeframe is reasonable.
If there are delays (e.g., waiting for parts), speak with both your insurer and the rental company. They may extend the hire period.
What Happens If My Insurance Doesn’t Cover It?
If your policy does not include rental car coverage, or you declined that option, you still have options:
• Pay Out of Pocket
You can rent a car directly from ARV Hire and pay per day. This may still be cheaper than rideshares or taxis — depending on your needs.
• Claim Later From At-Fault Insurer
Even if your own insurer doesn’t cover rentals, the at-fault driver’s insurer should. They may reimburse your rental costs once liability is established.
Always get written confirmation of whether costs will be reimbursed.
Why Choosing the Right Rental Company Matters
Navigating a claim after an accident is stressful enough. Here’s why Adelaide drivers choose ARV Hire for “not my fault rentals”:
✅ Fast & Efficient Service
Time matters — especially when you need a car immediately.
✅ Insurance Coordination
We can help liaise with insurers to reduce confusion and delays.
✅ Fleet Variety
From small city cars to larger family options — we’ll match you with the vehicle you need.
✅ Affordable, Transparent Pricing
No hidden fees — what you see is what you get.
✅ Local Adelaide Support
Our team knows South Australia — and we’re here to help you get moving again.
Tips to Make the Process Easier
📌 1. Keep All Records Organized
Store photos, quotes, invoices, and correspondence in one folder.
📌 2. Ask Your Insurer to Confirm Coverage in Writing
This avoids misunderstandings later.
📌 3. Understand Your Policy Limits
Know if there’s a daily hire cap or total limit.
📌 4. Choose the Right Vehicle
If your usual car was a hatchback, choose a replacement with similar features.
Frequently Asked Questions (FAQs)
1️⃣ What does “not my fault car rental Adelaide” mean?
It refers to hiring a replacement car after an accident that wasn’t your fault — with costs typically covered by the at-fault party’s insurer.
2️⃣ Will my own insurer pay for the rental?
It depends on your policy. If you have rental cover, your insurer may pay; otherwise, the at-fault driver’s insurer should cover it after liability is accepted.
3️⃣ How soon can I get a replacement car?
As soon as your insurer approves the claim and confirms coverage, you can book a rental — often on the same day.
4️⃣ Can I choose any car I want?
You can choose from available vehicles, but insurers may only cover a similar class to your own car.
5️⃣ What if the insurer refuses to pay?
You may need to negotiate, provide more evidence, or seek legal advice. In many cases, working closely with your rental provider expedites resolution.
6️⃣ Do I pay up front for the rental?
It depends. Some insurers allow direct billing; others require you to pay and seek reimbursement later.
Get Back on the Road with Confidence
A car accident — especially when it’s not your fault — is tough. But finding the right not my fault car rental in Adelaide doesn’t have to be.
At ARV Hire, we’re here to support you with reliable vehicles, clear communication, and experience you can trust.