Car Written Off After Being Damaged By Raised Ironworks on New Development

Herzlos

Your insurance company will pay out for enough to hopefully get you a similar replacement - what you do with that is up to you, but Redrow won't be paying out more than the car is worth at current market value.

Even then it's unlikely Redrow will pay out at all - there are warning signs and if you live on the estate you'll be assumed to be familiar with what's going on. That said, it's dark by the time people drive home now and the other obstacles were barriered, so it's possible.

With a golf GTi I'd have assumed you'd be limited to about 2mph on the unsurface road and on the lookout for the slightest thing to avoid.

SuperAllyB

I would expect Redrow to be querying whether most of the damage was done by the impact, or by driving home afterwards. Been there, done it, got the t-shirt! Cracked sump on a farm road, drove home (i thought) carefully and wrecked the engine:o. Insurance company (probably quite rightly) weren't interested.

dacouch

SuperAllyB wrote: »

I would expect Redrow to be querying whether most of the damage was done by the impact, or by driving home afterwards. Been there, done it, got the t-shirt! Cracked sump on a farm road, drove home (i thought) carefully and wrecked the engine:o. Insurance company (probably quite rightly) weren't interested.

There are a few companies, Admiral being one of them from memory who specifically exclude any further damage you cause by continuing driving the car

mattyprice4004

I highly doubt it was a foot high.
I've seen ironworks before they're fitted, and they're usually only about 8 inches deep - was it floating?

marlot

I think you'll be lucky with any claim against Redrow. I too live on a Redrow development which is finishing off the roads. Knowing that there are raised ironworks around, you have a responsibility to look where you're driving!

harveybobbles

I'd be surprised if the OP's own insurance pays out, thinking about it.

rs65

harveybobbles wrote: »

I'd be surprised if the OP's own insurance pays out, thinking about it.

What's your thinking?

harveybobbles

They live on a construction/new build site.
They admitted to seeing signs warning of raised iron works.
They hit something and drove back home with low power.

Their own insurance could say they were driving without due care/attention and either refuse to pay, or pay peanuts.

rs65

harveybobbles wrote: »

They live on a construction/new build site.
They admitted to seeing signs warning of raised iron works.
They hit something and drove back home with low power.

Their own insurance could say they were driving without due care/attention and either refuse to pay, or pay peanuts.

You could say that for any accident. They should be ok as long as it wasn't deliberate.

As mentioned already, depending on insurer, they make not be covered for subsequent further damage caused

Money_Grabber13579

They're doing the same on our development at the moment, but I'd reckon at most, the iron works have been raised 1-2 inches.

Are they planning to tarmac up to the level of the windows?