Advice: Claiming on TP insurers for Wall Damage

jig

:mad:UPDATE: Please see post #3 below...

Hi all,

My driveway wll, garden and hedge were damaged by a wreckless 17 year old driver and the father of the driver didnt want her insurance NCB to be affected and wanted to rectify the damages privately. He then realised he would need to put in a claim as the car is a write off!!

I contacted her insurer who just told me to submit quotations for the work and they would review and authorise payment

My first question is do they pay me or the contractor used? I have had one quote and the builder cannot start for two months I dont want them paying the builder and he has also said that he will need paying right away once the job is done and wont chase insurance co for payments.

Can I demand a cash settlement? What else should I ensure?

how can I just speed them up and ensure I get commensated for?

Thanks
jig

dogbot

You are essentialy recovering compensiation from your losses against the responsible party - the 17 year old driver. That driver has an insurance company who will stand in his/her place.

You can recover the cost of any loss or damage you sustain so find a couple of quotes to send in - there are lots of builders out there and at the moment I would think a fair few of them have less to do than 12 months ago.

You can ask the insurer to pay you directly but they will require proof that the work has been completed and that you have paid the builder.

Alternativly you can ask them to authorise the builder directly and have him send them the invoice and some note from you saying you are satisfied with the works completed. They should just pay it as soon as the bill comes in since there is no merit for them in leaving it hanging on.

Usualy an insurer will not pay anyone untill after the works have been completed.

jig

Hi guys, after a year the assesors have written to insurers who should be settling, even though it has been several weeks since the assessors visited.

I wish to claim out of pocket expenses to include the following..

1. Costs incurred - my time, telephone calls, cleaning up costs, etc
2. Compensation for delays and for taking too long to resolve (insurance co dragged their feet)
3. Compensation for the undue stress caused as a result of incident/not having my driveway

I have actually costs for 1. What would be costs that I could claim for for 2 & 3? What is the best way to claim compensation costs? How do car insurance companies settle claims like this?

Thanks in advance.

Jig

jig

The assessors said they dont look at oop expenses just the physical damage and send a report just on that to the insurance company.

jig

anyone else had something similar? problem is im dealing directly with a car insurance company, its an open and shut case as no other car was involved just damage to my property.

geri1965_2

I would probably resist any compensation as well if I was acting for the insurer. Surely you can still use the driveway even if the wall is demolished?

jig

geri1965 wrote: »

I would probably resist any compensation as well if I was acting for the insurer. Surely you can still use the driveway even if the wall is demolished?

No as it was a front wall which when hit broke in large sections blocking the driveway, didnt couldnt move it as it was too heavy and only once it was cleared and rebuitl the driveway was ok. Also it had light on it which meant the driveway was in darkness

withabix

Item 2 would require you to prove actual financial loss. Presumably you have receipts for for all this alternative parking of your vehicle when your driveway was unavailable?

Item 3 would require you to obtain medical proof of the illness you have suffered, from your doctor, then you would also need to hire a lawyer, so presumably you are confident that you would win, otherwise you would be rather out of pocket for legal costs WHEN you lose. Doctors and lawyers aren't keen on being accesories to fraudulent claims either.