Question regarding Car Write off!

gyzmo

Hmmm, the fact that an AMC said it leaves me wondering.

I have (thankfuly) not had to deal with an AMC for some time. I wonder if they have gotten any better, or if their staff still treat insurance co staff as vermin?

F!nhuner

gyzmo wrote:

Hmmm, the fact that an AMC said it leaves me wondering.

I have (thankfuly) not had to deal with an AMC for some time. I wonder if they have gotten any better, or if their staff still treat insurance co staff as vermin?

Would you say (in your opinion) that I'd be better going back to my own insurance (more than) and letting them deal with the claim instead of an AMC?

Astaroth

If Admiral have already inspected your vehicle (or AMC has) then you potentially costs involved if you then decide to claim off your own insurance which you would have to pay and would not be able to claim back.

Personally I think you are doing a lot of worrying before you know if there is any need to. Wait to see what the offer is from Admiral and the situation on the salvage before having to totally restart the claims process with your own insurers

gyzmo

Couldn't agree more with the above, although I do fail to see why people use AMCs in the first place. If you take out legal cover, then an AMC can only do what the insurers and the sols will do anyway. AMCs traditionally also inflate their costs, and so it can be more difficult to recover costs from a third party.

But like Astaroth says, wait to see what happens. fingers crossed.

F!nhuner

Will keep you all posted!

flutterbybutterfly

F!nhuner wrote:

Still no word from insurance company yet 1 week after car was assessed and I was told it would be a write off (2 weeks after accident).

I contacted Accident Management Company today (who are acting for me through Audi (instead of my own insurers more than) to be told that there is no info yet but they will chase up Admiral (the other partys insurers).

The person on the phone then went on to explain that in some cases the insurance companies rather than giving full value for the car (at time of accident) they sometimes revue what your write off car is worth in it's present condition as scrap value and deduct this from the cheque leaving you/me to dispose of the dead car.

This situation sounds as though it's going to be a bigger headache than I first thought... so much for the other driver being charged and no argument as to whose fault it was.

Now instead of getting a near like for like replacement I might have a right off and part cheque instead.

He did say that this can happen but not a definate that it would but it was legal and there's nothing I can do.

Anyone got an old Reliant Robin for sale (

I'd wait until you hear from the total loss/mechanics section. We had a really helpful guy on the phone who explained what value we could get for the car if it is written off, then said that if we want more for the car value, he would have to advise repairing even though to repair would be 75% of value. However, write off value he gave us was still £500 more than we expected so we accepted. Just shows you, after everything you hear it might suprise you.

With regards to the other driver - in my case they are being prosecuted for careless driving - but obviously hasn't admitted liability to their insurance as I had a letter this morning from their insurance asking me if I admit liability!!! :mad:

It is all such a stressful situation but and the end of the day your wife and son are both in one piece and a car is just a piece of metal so count your blessings. Good luck with sorting it all out

Astaroth

To be honest, it is nothing to do with the other party it is the insurer themselves that decides on liability not their client. Whilst they will normally try to get their client to "agree" with their decision this is not required under common law (and the policy normally states this too so under contract law too)

The first letters that insurers send tends to be a bit silly... 1/4 of them send letters that say they will deal with your repairs etc (with small print saying only if they think their client is to blame) to all 3rd parties where as 1/4 send a letter holding the otherside liable irrespective of circumstances. Probably being a little generous in saying that 1/2 of insurers get it right first time

gyzmo

Quite true. Initial details are normally taken by a claims advisor and coded (in some insurers anyway), often incorrectly, in terms of what action is to be taken next. That usually produces a letter sent to the insured and another to the third party based on that code.

Also, an insurer can only initially rely on what is said to them by their insured. A pack of lies will result in a third party being held responsible, and a letter sent accordingly. but tings (usually) work out in the end.

beautifulgorgeous_2

Have you had an acceptable offer yet?

F!nhuner

Engineers from the Accident Management Co. that's representing me valued the car at £15,500 trade..... which I said is not accecptable. On sending all the info on my car along with quotes to buy a similar car I've been told that I have enough info to lodge a dispute on the valuation.

But..........

The other party is still denying that they ran the red lights so her insurance are still denying liability even though she was charged by the police and 2 independant witnesses say she ran the red lights. I still think they are chancing their arm as I have not received a counter claim as their insured's car was also written off.

The mob representing me say that based on both witness statements their shouldn't be a problem with who was to blame....

So....

It's just a case of waiting to see if and what they offer.


Will keep you up to date.