Advice Please Regarding Accident

mikey72

Have tesco sent you the cheque for the car yet?

Diamond78

Nope, they have not sent me anything, no letter and no cheque. If I get the cheque tomorrow or what ever day this week, I still have to wait 5 working days for it to clear.

Diamond78

Morning all. Tesco sent me a letter saying my car is beyond economical repair and they request a copy of my vehicle registration document,purchase receipt, mot certificate, proof of any additionals extras fitted to the vehicle, details of any outstanding finance and copy of driving licence and the copy of counterpart. Why do they want all these?

They could of told me before when I spoke to them on the phone. Then I could of posted all this with the MOT back on Monday. I doubt I will get the cheque until they have all these documents.

I still haven't recieved the new insurance certificate either. I was hoping to go to the post office tomorrow and get the new tax disc done.

Quentin

Sounds like they have sent you a standard letter prior to completing a write off. They need the documents to prove the claim, and check your licence agrees with what you have told them about your points etc. It seems they will not yet have got round to putting the VIC marker on.

Obviously don't send them any original documents!

As long as you have an in date insurance certificate (ie the one you had prior to the accident) you will be able to get your tax. (All the post office do is inspect the cert to see it covers the start date of the tax)

beth58_2

McKneff wrote: »

Stop worrying, ring your insurance company up, talk to them about it, they will deal with it for you. They will claim the full
amount back so you will not have to pay anything. !!!!!! there is some absolutely stupid advice going on here on this thread. (with one or two exceptions)

You would only have to pay the excess if you alone were dealing personally with the other partys insurance company and not involving your insurance company at all. Then you would claim it back. I have just been through all this, exactly the same as you but without the personal injury

As your insurance company are dealing with it, do what they say, get it from the horses mouth,
Ring them now for reassurance so that you will at least be able to sleep tonight.

Not true it depends on the circumstances and who you talk to at the insurance company. The OP needs to speak to her insurers to find out their policy.

I had an accident on a roundabout, the guy came from my left and hit me. It was deemed a non fault accident however, I had to pay the excess and it is being claimed back by my insurance legal dept. Claim is ongoing so I still haven't got my money back, 18 month on.

Also, someone hit my daughters stationary car, it had substantial damage to drivers side, she had to pay £400 excess and for a loan car. It took the insurers a yr to sort out her claim and reimburse her.

Talk to your own insurance company, if your not happy the initial advice ring back and ask to speak to a supervisor for clarification.

Diamond78

Thanks Quentin, I will try and get round to getting the tax done tomorrow. So will I be entitled to get a refund for the months tax already left on my current road tax? Will the DVLA not question why I want a refund and why I have purchased new road tax before mine expires? Or should I just wait until the 5th day of the month to renew mine? Thanks.

Hi beth58, Im sorry to hear the troubles you and your daughter faced with the accident. I have spoken to my insurance many times including supervisors and team leaders who gave me a lots of wrong information. They did mess me around a bit, so there is not a lot I can do. I can't bare to speak to them anymore. I couldn't afford to pay my excess, so had to wait for the driver to accept liability but tesco did not inform me when he did accept liability. I think with some insurance companies, you just have to keep ringing them up like I did. Also I took the advice of MSE users and went through the third party insurance to get the hire car. Your claim has taken so long, I think you should get on their case and tell them its taken too long now. 18 months in my opinion, is far too long but I have never had an accident before so not sure what the length of wait is for claims to be settled. Hope you ge it sorted soon.

Quentin

So will I be entitled to get a refund for the months tax already left on my current road tax? Will the DVLA not question why I want a refund and why I have purchased new road tax before mine expires? Or should I just wait until the 5th day of the month to renew mine?

The idea to tax your car immediatedly is to avoid you having any problem getting the VIC done before your tax expires. If you go to retax your car (on any date) and they have put a VIC marker on, then you won't be able to retax it till the VIC is done, so the car won't be useable.

As long as you send in your old tax disc by the last day of September (today!) they won't question the refund application. (You are just "sorning in error")

mikey72

Today.
If you do not send it back in today you will lose the next month.
Then buy another one tomorrow.

Quentin

McKneff wrote: »

!!!!!! there is some absolutely stupid advice going on here on this thread. (with one or two exceptions)

You would only have to pay the excess if you alone were dealing personally with the other partys insurance company and not involving your insurance company at all.

This rant about posters and your "advice" just causes the OP more confusion!

You actually have no "excess" to pay at all if dealing direct with the third party, and not involving your own insurance company!

Diamond78

Thanks Quentin and mikey72. Im going to go down to my brothers now and get the money and go straight to the post office. I looked on the directgov website regarding the refund and it states I have to give a reason why I want the refund.
http://www.direct.gov.uk/en/Motoring/OwningAVehicle/HowToTaxYourVehicle/DG_10012526

Do I tell them the reason for the refund is due to the write off? Thanks in advance.