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No Fault claim
honeyblue_2
Posts: 14 Forumite
Hi
Have had a smallish impact to car rear. Third party 100% liable as too close....work will be new bumper, tailgate just tweaked a little, & something called a rear member under the back is bent over in a place...and we think that's it.
I reported it to my Insurer, thinking that as a NonFaultClaim, I would simply get car repaired & 3rdParty insurers pay for it.
I am waiting on 3 estimates to get back to me.
If my insurer doesn't like the quote, are they legally allowed to get their own repairers in & writeoff my car?
If so, do I have the legal right to get my car back as salvage, with lumpsum, & so I can get it repaired for that market value sum.
If my insurer doesn' t like Estimate costs....and so may go down the writeoff route, can I instead contact 3rd Party insurer & if they agree costs, it can be repaired that way?
Should I chat with 3rd party driver again as have previously chatted with him.
And if so, can I then contact my insurer and tell them my NonFault claim should now just be logged for information only?
My car is 9 yrs, 1.1 litre little car, maybe £1000 value now, low mileage & I am fully comp.
This is my first "accident" after 10+ yrs No claims.
I'm not interested in courtesy car, medical etc, I would just like my car, good little runner, low mileage, back on the road, No claims intact etc.
Thank you very much for any help.
Have had a smallish impact to car rear. Third party 100% liable as too close....work will be new bumper, tailgate just tweaked a little, & something called a rear member under the back is bent over in a place...and we think that's it.
I reported it to my Insurer, thinking that as a NonFaultClaim, I would simply get car repaired & 3rdParty insurers pay for it.
I am waiting on 3 estimates to get back to me.
If my insurer doesn't like the quote, are they legally allowed to get their own repairers in & writeoff my car?
If so, do I have the legal right to get my car back as salvage, with lumpsum, & so I can get it repaired for that market value sum.
If my insurer doesn' t like Estimate costs....and so may go down the writeoff route, can I instead contact 3rd Party insurer & if they agree costs, it can be repaired that way?
Should I chat with 3rd party driver again as have previously chatted with him.
And if so, can I then contact my insurer and tell them my NonFault claim should now just be logged for information only?
My car is 9 yrs, 1.1 litre little car, maybe £1000 value now, low mileage & I am fully comp.
This is my first "accident" after 10+ yrs No claims.
I'm not interested in courtesy car, medical etc, I would just like my car, good little runner, low mileage, back on the road, No claims intact etc.
Thank you very much for any help.
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