Insurance claim, car written off

Auntsally

Hi

I hope this is in the right forum, apologies if it's not

I was wondering if anyone had any advice on a problem I have with my car (now my ex-car)

On 16th December, a lorry reversed a few yards the wrong way up the one way street next to my flat. He hit my wing mirror while going back,then drove forwards, turned too soon round the corner and wrecked the front side of my car and pushed it up on the kerb. There was a passer by who was shouting at him telling him to stop (but he carried on until he finshed draggind my car), there were also witnesses in the shop downstairs that saw it (i didnt see anything because I was in bed!). He did stop, but i think it was only because so many people saw him.

So thats what happened and the problem I have is my car has been written off. My insurance will sort everything out and I have GAP insurance on the finance which should cover the balance after i get £1700 from my car insurance as my car value. But is there anything else I can claim, becuase I think it's bang out of order that I get left with no car.I was due to finish paying for it in 12 months so would have been looking at owning a car worth about £1000. I know I dont have any debts to pay but surely there's something else i can get back since i've lost my car and £1000 in 12 months

Thanks

Claire

Mrs_pbradley936

You should be able to claim for a courtesy car until this is all sorted out. I am gong through something similar but there was no money owing on mine and so the car is being replaced by a Ford dealer. It took about three weeks to sort out all the paper work but I had a courtesy car all that time. I gave it back early because I was going to be away over Christmas and the new car will be ready for collection in the New Year.

iceicebaby

Hiya

the purpose of insurance is to leave u in the same position as you were immediately before the accident, so if your car was worth 1700 then you will get 1700 for it. You can then replace it with a similar age/condition car for 1700, therefore being in the same position as you were. They may give you use of a courtsey car in the meantime while it is being sorted out depending on the terms and conditions of your policy. Some dont offer this facility on written off cars only on cars being repaired.

Auntsally

They wont give ME the £1700 for the car, they will be giving this to the finance company who will put it towards the balance owing on the car. This will mean my GAP insurance will pay the other £1070 left of the finance. All the debt will be paid for but I will have no car. I wont be out of pocket as such, but when you think that in 12 months I could get £1000 for my car, im techincally £1000 down.

iceicebaby

Ah right

You didnt own the car outright anyway then to get anything back on it. the finanace company owns it till the last payment is made.