Glossary
TL;DR
A replacement vehicle is a car rented to a customer while their own vehicle is being repaired after an accident (covered by third-party, own liability, or comprehensive insurance). Specific workflow with claim number, workshop details, and assignment of rights to the insurer.
Replacement vehicle rental is a model where the rental provides a car to a customer during repair after a traffic accident. The payer is typically the insurer (third-party or own), not the customer. The process requires: claim number, workshop details, insurer approval, and assignment of rights (the customer assigns their right to claim repair cost to the rental – the rental bills the insurer directly).
Typical flow: 1) Customer after accident provides: claim number, at-fault party, third-party insurance, repair shop. 2) Rental verifies the claim is approved (contact with insurer). 3) Replacement vehicle release, same class as the serviced one (or lower if customer agrees). 4) Customer signs rental contract + assignment of rights. 5) Workshop reports repair timeline. 6) On service completion: customer returns vehicle. 7) Rental generates invoice for the insurer (not the customer) with base + days + delay + signed assignment. 8) Insurer pays in 30–60 days.
Replacement vehicle is a specific sub-market: a significant segment of Poland's car-rental industry. Margins are higher than tourist rental (customer doesn't negotiate), but workflow differs (assignment, insurer invoicing, insurer approval). A rental without this workflow loses the whole segment.
Today you run replacement cars as an ordinary reservation: the claim number, insurer and workshop go in the note, and documents (contract, assignment) attach to the reservation. A dedicated reservation type with insurance fields, settlement billed to the insurer, per-insurer templates (TUW, PZU, Warta, Allianz) and workshop integrations are on the roadmap.
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