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 draft a response to TPI correspondence?
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 BHR report?
A BHR (Basic Hire Rate) report is evidence submitted by the defendant to establish the rate a claimant could have hired a vehicle for on the open market. It typically includes quotes from mainstream suppliers in the claimant's locality. The burden of proving the BHR lies with the defendant, and the evidence must be specific to the claimant's circumstances.
What is an intervention letter in credit hire?
An intervention letter is an offer from the defendant's insurer to provide a hire vehicle directly, bypassing the credit hire arrangement. If the claimant rejects the offer without good reason, the court may limit recovery to the cost of the intervening offer. The claimant must address why they rejected it.
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