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Car torched. Whose ins to claim off...?
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No, the terms of your insurance are that you deal with them, you don't contact or respond to or in any way negotiate with other parties or their insurers directly
If that isn't clear, then read the terms of the policy
That is only true if you are potentially responsible for the loss of another party when you should then not have any contact direct.
Where you are the loser, you are perfectly at liberty to negotiate with the third party/insurer direct if you so wish.
This was confirmed to me by my insurance company when I expressed surprise at being approached direct by the third party insurer of the driver that hit me but I was assured this was fine but if I ran into any difficulties I could pass it to my insurer to deal with at any stage. I received a cheque for a fair price for my car less than two weeks after the accident direct from the third party insurer.0 -
Well they came for the car today and they think it will be written off. time will tell once they have inspected it fully.0
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vikingaero wrote: »I agree. It sounds unfair but that's the way it is.
One of my good neighbours asked me some advice last year. During a storm a roof tile slipped off his roof and damaged next doors car. The next door neighbour was an a-hole so I said that unless the owner of the damaged car could prove that the roof was unsafe then there was nothing he could do to claim against the good neighbour.
Don't get me started on that one, it's happened three times so far over the last 10 years to cars parked on my drive. My neighbour refusing any liability the first 2 times. The car damaged 1st time had been bought for our daughter 2 days earlier, (this was Xmas eve), and it hadn't even been insured:mad: £1000 panel damage
The 2nd time it was a brand new demonstrator on loan,(mini), from BMW, tile straight through the sunroof. Luckily they footed that one.
3rd time was a near miss as I managed to shift the car when the winds got up.
Only a hanfull of property insurances will cover this as the view is that any car should be ensured in it's own right, fair enough, but 3 times:mad:
Anyway he's now in possesion of a solicitors letter to the effect that he knows he has a defective roof, and as he told me who his insurers were, I wrote and told them too.
Rant over, sorry for off topic;)I like the thanks button, but ,please, an I agree button.
Will the grammar and spelling police respect I do make grammatical errors, and have carp spelling, no need to remind me.;)
Always expect the unexpected:eek:and then you won't be dissapointed0 -
Anyway, back on topic...
The car has been inspected today and is going to be repaired strangly enough!0 -
On your insurance or the other car’s?0
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Not sure. Need to speak to the SIL to find out...0
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