someone hit my car

Astaroth

If you are TPFT then your own insurers cannot get involved other than defending any counter claim from the third party.

If you have legal expenses cover then they should instruct someone under this to assist your claim against the third party.

The AA are simply brokers and therefore it will be down to her actual insurers to handle your claim against her and not the broker.

As stated, timescales are anything from a couple of weeks if liability isnt an issue and her insurers are proactive to months/ years if liability and quantum are in dispute

nickmack

ysoskint wrote:

She has admitted it was her fault.

What happens next?

[CYNICAL]Your insurance company contacts her insurance company and they claim that she didn't admit any liability. If this is disputed, the insurance companies agree, both parties were in shock and cannot remember what was said at the scene. Both insurance companies agree on split liablility and both drivers lose out.[/CYNICAL]

Hopefully not the case for you, but this has happened to me before!

s55shh

Ok. First of all, you have a contractual obligation to inform your own insurers even if you are not fully comp.
2nd. You should not be disadvantaged because of her bad driving/negligence.
so, if your car cannot be safely driven (or made safe for a very small price say £50), then don't drive it! Virtually any car body repair centre (not sure where you are in the country) will jump at the chance to help you. Basically, if her insurers don't bend over backwards to minimise your inconvenience, you can credit hire a replacement car (and maybe credit hire repairs to yours) and as long as you have not behaved unreasonably (must be like for like car), they will have to pay.
If done properly, there is no risk to you.
pm me if you need more info.
(and yes, I work at a bodyshop!)

Astaroth

s55shh wrote:

must be like for like car

Must be the smallest car that you can reasonably use and no more than a like for like. Just because you drive a 911 doesnt automatically mean you are entitled to hire another 911


Out of curiosity what % kickback do you get for referring to credit hire? I know after a slightly underhanded pilot we ran with one of the largest credit hire companies we saw they were charging us an extra 10% on labour but dont know if that the split was between garage and hire company nor how much they have on the hire aspect