Muppet ploughs into my two parked cars!!ADVICE NEEDED

Quentin

jig wrote: »

Not sure, can I?

You can claim from the third party for the cost and inconvenience you are put to over the incident (like: taking car(s) to get quotes/delivering and collecting cars from bodyshop etc., phone calls and correspondence etc - keep everything itemised and reasonable) - just as you can claim all other losses whether or not they were insured.

cyclonebri1

Quentin wrote: »

You can claim from the third party for the cost and inconvenience you are put to over the incident (like: taking car(s) to get quotes/delivering and collecting cars from bodyshop etc., phone calls and correspondence etc - keep everything itemised and reasonable) - just as you can claim all other losses whether or not they were insured.

Agreed. IE, any legitimate expenses;)

jig

Update:
I'm fed up with the other guys insurance co...

They have nearly finished with the repairs on the E60 and will be returned soon and I will need to return the hire car.

The other car they are not budging on the valuation (poor) and I have been told that it is 7 days from the day they tell me I need to close. Also the fact that the insurance guy wants all of the hire cars returned (I think it has something to do with his bonus)

As for the other damage (driveway and garden) he now tells me he needs THREE quotes not two originally requested.

I am now losing my patience...

Where do I stand legally with car no.2?

I dont want to return the second hire car and dont have a leg to stand on?

Legally where do I stand with the other repairs - driveway and garden - can I just get the work done and provide them a reciept?

Thanks in adv for all the advice and help
Jig

rwgray

I am surprised that the third party insurers have been so involved in this process. I guess they do this to minimise their own costs in the longer term. Traditonally, they would only be able to inspect the vehicles for an assessment, and would not get involved in moving them or providing replacements or even repairs - they would simply have to pay for your costs accrued in doing these things yourself.

There is no reason why you should have to settle for a non-BMW repairer, but you might have to settle for a lower negotiated repair figure and then ask BMW to work within that budget (or pay a little extra yourself if you wish). The insurers are not obliged to work with any particular repairer, but then nor is it really their decision!

You're unlikely to get anything for your time, but do make sure you get household repair quotes from larger companies that will factor in all the relevant costs up front.

Best of luck.

Rich.x

(Former insurance company negotiator.)

jig

rwgray wrote: »

I am surprised that the third party insurers have been so involved in this process. I guess they do this to minimise their own costs in the longer term. Traditonally, they would only be able to inspect the vehicles for an assessment, and would not get involved in moving them or providing replacements or even repairs - they would simply have to pay for your costs accrued in doing these things yourself.

There is no reason why you should have to settle for a non-BMW repairer, but you might have to settle for a lower negotiated repair figure and then ask BMW to work within that budget (or pay a little extra yourself if you wish). The insurers are not obliged to work with any particular repairer, but then nor is it really their decision!

You're unlikely to get anything for your time, but do make sure you get household repair quotes from larger companies that will factor in all the relevant costs up front.

Best of luck.

Rich.x

(Former insurance company negotiator.)

Thanks Rich.

I am suprised they will not re-imburse for my time wasted in meeting tradesman, calls etc.

Rich, can they write off my second vehicle? Also where do I stand with this can I force them for a repair? and while this is being decided how long can I keep the hire car for?

Thanks
Jig

Brooker_Dave

jig wrote: »

Not sure, can I?

No.

You could always pretend to have whiplash from watching the accident?

tommie1shunt

Don't forget that your cars values have dropped because they have been in an accident, come trade in time you will take a hit, you should claim the loss of "value" too your cars

sarah_elton

Any amount an insurer offers you for a written off car is negotiable.

Make sure that you negotiate an amount that would replace it with one in the same condition and with the same mileage. If it was in great condition or had low mileage for its age, make sure you emphasise this.

cyclonebri1

sarah_elton wrote: »

Any amount an insurer offers you for a written off car is negotiable.

Make sure that you negotiate an amount that would replace it with one in the same condition and with the same mileage. If it was in great condition or had low mileage for its age, make sure you emphasise this.

But you would be wasting your breath. They pay market value only and go by the book, if your car was exceptional it won't be now. This is where agreed value policies come in bad sadly usually only apply to specialist type cars,

mcjordi

send the insurers copies of adverts for similar mileage condition etc cars to yours with the asking prices they may not increase the offers massively but any extra you can get is a bonus
you can buy the car back from the insurance and repair it yourself
you can also claim loss of value from the repaired one