Identify each argument the insurer is making, then address each one separately with the relevant case law authority. Common TPI arguments include rate challenges, period disputes, need for hire, and liability. A structured, point-by-point response backed by verified citations is far more effective than a general rebuttal.
What is a TPI letter in credit hire?
A TPI (Third Party Insurer) letter is correspondence from the at-fault driver's insurer challenging the credit hire claim. These letters typically dispute the hire rate, the period of hire, the need for hire, or liability itself. They often contain standard arguments that can be rebutted with the right case law.
How do you respond to an insurer's BHR report?
Check the report for vehicle mismatches (wrong category, wrong transmission, wrong fuel type), locality errors (rates from a different area), and unsupported rate reductions. The defendant must prove the BHR with direct evidence of comparable local rates. If the evidence is flawed, the report can be challenged on that basis.
What key credit hire case law should I know in 2025?
Key authorities include Stevens v Equity Syndicate Management for the eight principles, Zurich v Umerji on impecuniosity, Pattni v First Leicester Buses on intervention, and the recent Wiltshire v Aioi Nissay Dowa [2025] EWCC 13 which warned against template-driven witness statements. The case law continues to develop, particularly around BHR evidence standards.
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