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Car Insurance claim - what do I do now...

BellaLulu
Posts: 1 Newbie
Hi
I'd really appreciate any advice from you guys...........
So last week I parked my car overnight in the basement carpark of the building leased by my employer. This carpark is 3 stories down, and to access it you have to drive the car into a car lift. My car was the only car parked there, and overnight there was a burst water mains and by 7am the next day my car was flooded up to the windscreen.
My employer says they have no liability - I have to claim through my own car insurance, and potentially my insurers can try to reclaim from the landlord's insurance. Of course this screws up my no claims bonus...
More worryingly, the car lift is potentially out of action for up to 6 weeks so there is no way of bringing the car up to ground level. My insurance broker is checking whether a visual inspection will be sufficient for the claim, or whether the insurance company needs to retrieve the car and have it inspected properly. I am worried that there will be some time limit, after which, if the car cannot be retrieved that the insurance company will refuse to process the claim.
In the meantime I am left with no car and no idea when/if I will get reimbursed. I feel betrayed by my employer and totally on my own.
I'd really appreciate if anybody has any thoughts on this subject.
Thanks
BellaLulu
I'd really appreciate any advice from you guys...........
So last week I parked my car overnight in the basement carpark of the building leased by my employer. This carpark is 3 stories down, and to access it you have to drive the car into a car lift. My car was the only car parked there, and overnight there was a burst water mains and by 7am the next day my car was flooded up to the windscreen.
My employer says they have no liability - I have to claim through my own car insurance, and potentially my insurers can try to reclaim from the landlord's insurance. Of course this screws up my no claims bonus...
More worryingly, the car lift is potentially out of action for up to 6 weeks so there is no way of bringing the car up to ground level. My insurance broker is checking whether a visual inspection will be sufficient for the claim, or whether the insurance company needs to retrieve the car and have it inspected properly. I am worried that there will be some time limit, after which, if the car cannot be retrieved that the insurance company will refuse to process the claim.
In the meantime I am left with no car and no idea when/if I will get reimbursed. I feel betrayed by my employer and totally on my own.
I'd really appreciate if anybody has any thoughts on this subject.
Thanks
BellaLulu
0
Comments
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To be able to claim off someone else you would need to show negligence - ie they had failed to do something a reasonable/average person would do or have done something a reasonable/average person wouldnt do.
You say it was a water main which would mean it is unlikely to be the landlord as it is the water company that maintains the mains. The only time you could really pin it on the landlord was if they were doing construction work to the building and had punctured the mains.
What do you think they have done wrong to cause the main to burst?
You've already registered the claim from what you say and so the insurers cannot penalise you for the fact the car is currently irrecoverable. If they want it quicker then they will have to deal with the relevant parties to get it out quicker.0 -
If indeed a main, then you may well be in the fortunate position of your insurers being able to recover the cost from the utility company on an ex gracia basis. The fact the lift isn't working isn't material to your claim.
I have friends who were in a similar situation where a 18" wafer main ruptured and resulted in their car being a write off, plus those of 4 neighbours.
Just let your insurer deal with it in its entirety.0 -
My employer says they have no liability - I have to claim through my own car insurance, and potentially my insurers can try to reclaim from the landlord's insurance.My insurance broker is checking whether a visual inspection will be sufficient for the claimI am worried that there will be some time limit, after which, if the car cannot be retrieved that the insurance company will refuse to process the claim.In the meantime I am left with no car and no idea when/if I will get reimbursed.I feel betrayed by my employer and totally on my own.0
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What other type of inspection is there0
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