Muppet ploughs into my two parked cars!!ADVICE NEEDED

raskazz

Pew_Pew_Pew_Lasers! wrote: »

Diddums. Its your car, you can have it repaired wherever you like. Take it to BMW and ask them to return it as new, and let the insurance company pay for it all. How would they know what is necessary and what isn't?

If the OP does that then the third party insurer will not pay the whole invoice. It will simply pay the pre-accident value of the car as the OP didn't mitigate his loss (I am assuming that the insurer are implying that if the OP chooses BMW their costs would make the car uneconomical to repair). They could also withdraw the replacement car before the vehicle is repaired, for the same reason.

Why not ask the insurer what exactly BMW are including which is not relevant to the repair? Then we can try to determine whether they are correct.

anewman

At least the !!!!!! had insurance.

cyclonebri1

anewman wrote: »

At least the !!!!!! had insurance.

Just what I was thinking;)

Nice job to get 2 for 1 tho', and in your drive:T


!!!!!!:mad:

mcjordi

the third party insurer can write off the car -its them thats paying out after all,
as for forcing them to get it done at BMW they dont have to at all - it will go to an approved bodyshop on their lists -be it ford, vauxhall, independant bodyshop- it will be returned to as standard before the accident.
depending on the catergory of ABI it is placed in then retention will be an option however they will generally take around 20% of the PAV off the settlement and you keep the car , A + B catergories are disposed of - you wont be allowed to keep them.
i know this as i work in the insurance industry as an asessor/loss adjuster.

as for getting it repaired wherever you want you are right but the insurer will only pay up to 70% of PAV in repairs so bear this in mind

cyclonebri1

mcjordi wrote: »

the third party insurer can write off the car -its them thats paying out after all,
as for forcing them to get it done at BMW they dont have to at all - it will go to an approved bodyshop on their lists -be it ford, vauxhall, independant bodyshop- it will be returned to as standard before the accident.
depending on the catergory of ABI it is placed in then retention will be an option however they will generally take around 20% of the PAV off the settlement and you keep the car , A + B catergories are disposed of - you wont be allowed to keep them.
i know this as i work in the insurance industry as an asessor/loss adjuster.

as for getting it repaired wherever you want you are right but the insurer will only pay up to 70% of PAV in repairs so bear this in mind

But it does not have to go to a repairer on their list, it can go to any authorised repairer of your choice, provided the estimate is competitive.

I would want to find out what BMW want to change that the others don't or are overlooking?;)

jig

UPDATE:
Hi everyone,

Thanks for the help and support so far...

Ive just come back from BMW and they have given me the estimates for the damage.....

Car 1 - £6000!! no work has been authorised.
Car 2 - £3000, and the work for this car has been authorised.

I believe they will right-off car 1, which means next steps are I have to secure the private plate and ensure I get the best price possible for the car. Also if the opportunity is there to buy back the car I will take this up.

I also need to provide two estimates for damages to the wall and driveway!!:( this is quite stressfull

jig

so unfair!!!!

Ms_Chocaholic

Can you also claim for your time?

jig

Ms_Chocaholic wrote: »

Can you also claim for your time?

Not sure, can I?

mcjordi

unless your taking time off work then no unfortunatley