View Full Version : Car insurance, what a con
karenccs67
19-05-2009, 3:55 PM
Some idiot who wasn't concentrating on his driving, drove into the back of my husbands car last Thurs. Already the insurance want to write it off, which means were going to get next to nothing for it. So were without a car, and not enough money to replace it. I'm refusing to borrow the money to buy another car, so where's the justice?
A very unhappy car less driver.:(
daveyjp
19-05-2009, 3:58 PM
Why is it a con? You will get what the car is worth, if you want keep the car and have it repaired yourself, suing the other driver for the cost incurred.
karenccs67
19-05-2009, 4:01 PM
I suppose its because the car is worth more in terms of convenience, and whatever the insurance pay out will not be enough to replace it. The other driver was a teenager and I don't suppose he's got two pennies to rub together.
photome
19-05-2009, 4:03 PM
I suppose its because the car is worth more in terms of convenience, and whatever the insurance pay out will not be enough to replace it. The other driver was a teenager and I don't suppose he's got two pennies to rub together.
Why cant you replace it like for like
MX5huggy
19-05-2009, 4:06 PM
Collect your evidence as to what it is worth from Auto trader eBay completed listing and don't accept their 1st or 2nd offers think about the 3rd.
The-Bear
19-05-2009, 4:21 PM
I would second the above, you will get market value for your car, you should check autotrader, parkers etc.. so you can counter there first offer. You also might be entitled to a courtesy car under your policy if your car is written of, it may be only two weeks but its better than nothing.
Hintza
19-05-2009, 4:37 PM
Have you got a quote for repairs yet? Let us assume it would cost £1,000 to repair and the car is worth £1,000 since you are not at fault (I assume) then you can insist you get it done. As long as repairs are reasonablish you shouyldn't have a problem.
mchale
19-05-2009, 7:02 PM
Word of advice, see if you can get a hire car out of other drivers insurance,
you'll find they will settle claim a lot quicker
anewman
19-05-2009, 9:10 PM
maybe the OP has a high excess to get the premium down and a low value car,like myself.Hope you get sorted karenccs67
That's why there's no point going fully comp on a low value car. Particularly as for many things you can claim for (criminal damage etc) you won't bother claiming. Best to go TPFT.
karenccs67
19-05-2009, 9:17 PM
6 mths ago insurance co valued car at £800 now theyre saying its worth £300. I need new bumper and wing and insurance saying repairs will come to more than £300, so will write it off without even looking at it, how is that fair? And I'm sure insurance premiums won't come down to reflect true value of car when they're due.
MX5huggy
19-05-2009, 9:18 PM
In fact TP if you can get it cheaper than TPFT
anewman
19-05-2009, 9:24 PM
In fact TP if you can get it cheaper than TPFT
TPFT quotes are always cheaper than TP quotes for me. So don't assume TP is cheapest. Do check. Best not to pay more for less cover :beer:
pgilc1
19-05-2009, 9:24 PM
6 mths ago insurance co valued car at £800 now theyre saying its worth £300. I need new bumper and wing and insurance saying repairs will come to more than £300, so will write it off without even looking at it, how is that fair? And I'm sure insurance premiums won't come down to reflect true value of car when they're due.
How did the insurance company six months ago come to value your car at £800?
dacouch
19-05-2009, 9:24 PM
How come you had your car valued 6 months ago by your insurers was it written off then as well?
Pew Pew Pew Lasers!
19-05-2009, 9:51 PM
Just refuse their offer. Never accept the first offer.
anewman
19-05-2009, 9:52 PM
Just a thought but assuming it’s 10 years old, then you’ve lost the ability to trade it in and get 2k of your next car and the pay-out for your car should reflect this.
Lol, I bet loads of people will be trying this on. :rotfl:
dacouch
19-05-2009, 9:53 PM
They have no chance of getting it, Insurance policies exclude consequential losses
Just a thought but assuming it’s 10 years old, then you’ve lost the ability to trade it in and get 2k of your next car and the pay-out for your car should reflect this.
Not really, the insurance is for the value of the vehicle, not for any further discounts that may be obtained via it. For example, if a fridge broke down containing Lobsters, the owner could sue to replace those Lobsters not for the profit earned by selling them cooked.
raskazz
19-05-2009, 9:56 PM
They have no chance of getting it, Insurance policies exclude consequential losses
Exactly. And if (as seems to be the case) the car is a Cat C or D write-off, then my response to any such claim would be as follows:
You can still trade it in under scrappage - if you retain the write-off and we'll deduct the value of the salvage from the settlement.
Just a thought but assuming it’s 10 years old, then you’ve lost the ability to trade it in and get £2k off your next car and the pay-out for your car should reflect this.
They have no chance of getting it, Insurance policies exclude consequential losses
Your insurance can exclude anything but this is a claim against a third party insurance company and their liability is to put you back in the position you would have been had you not been in the accident. If that includes loss of discounts then so be it
oh_no
19-05-2009, 10:05 PM
How come keith at post number 22 can quote vaio at number 24?
Ahhh it's been a long day...........
anewman
19-05-2009, 10:07 PM
How come keith at post number 21 can quote vaio at number 24?
Ahhh it's been a long day...........
Looks like the posts are all getting mixed up somehow. Maybe needs reporting (my post quoting Vaio comes before Vaio's post). :confused:
raskazz
19-05-2009, 10:09 PM
Your insurance can exclude anything but this is a claim against a third party insurance company and their liability is to put you back in the position you would have been had you not been in the accident. If that includes loss of discounts then so be it
I'm fairly sure that the third party insurer would give a similar response (at least in the case of a Cat C or D write-off) - i.e. you keep the salvage and repair it if you want to trade it in for scrappage.
Even in the case of a Category A or B write-off I'm fairly sure that in the absence of any evidence that the innocent party was actually in the process of trading the car in under scrappage, the insurer would say "See you in court" or "We'll see what the Ombudsman says".
my fault, i deleted and re posted
I'm fairly sure that the third party would give a similar response (at least in the case of a Cat C or D write-off) - i.e. you keep the salvage and repair it if you want to trade it in for scrappage.
Even in the case of a Category A or B write-off I'm fairly sure that in the absence of any evidence that the innocent party was actually in the process of trading the car in under scrappage, the insurer would say "See you in court" or "We'll see what the Ombudsman says".
Don’t think so, I’m planning on driving my current car until august and then trading it in and getting the £2k discount. Why on earth should I be out of pocket because some dozy driver runs into the back of me?
.
raskazz
19-05-2009, 10:20 PM
Don’t think so, I’m planning on driving my current car until august and then trading it in and getting the £2k discount. Why on earth should I be out of pocket because some dozy driver runs into the back of me?
.
Taking the argument to its logical conclusion then people would be capable of claiming tens of thousands of pounds on written-off bangers on the assumption that they intended to keep it for 40 years until it became a rare and valuable cherished car. I really can't see a court of law supporting your view.
Taking the argument to its logical conclusion then people would be capable of claiming tens of thousands of pounds on written-off bangers on the assumption that they intended to keep it for 40 years until it became a rare and valuable cherished car. I really can't see a court of law supporting your view.
It’s about putting you back in the same position as you would have been if the accident hadn’t happened.
A written off banger could easily and cheaply be replaced and you’re back in the position you were in before the accident. Keep the replacement for 40 years and you still have a rare and valuable cherished car.
The 2k discount has conditions which means that it is now not available to the OP
dieselhead
19-05-2009, 11:38 PM
It’s about putting you back in the same position as you would have been if the accident hadn’t happened.
Unfortunately the reality is that this just doesn't happen, even after the long fight with your insurance company to get a fair price for your car, you are out of pocket in terms of the time, phone calls, postage, taking calls at work, collecting and returning hire cars, time and fuel looking at new cars etc... the list goes on and on, having been there my sympathies are with the OP.
Did the guy who hit you actually, stop (or get traced) and have valid insurance?
If this is the case then you should take your claim directly to the other guy's insurance rather than going through your own company because then you have the right to demand that they repair your car and they don't have the right to write it off.
You can probably find a no-win no fee claims company to help you with this. Drive Assist and Helphire tend to come up fairly often, though the quality of service that Helphire offer seems to have diminished somewhat of late.
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