Car insurance, what a con

karenccs67

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

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

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

karenccs67 wrote: »

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

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_2

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

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

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

oh_no wrote: »

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

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

In fact TP if you can get it cheaper than TPFT