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Damage being claimed for from accident
Hi, some background here Mostly irrelevant, although I wanted some advice about damage being claimed for.
My husband hit a car at, according to his black box data, 2mph.
It was a slight graze causing a scratch to the bumper and a broken fog light.
Upon having this damage assessed, 6 months after the accident, the assessor said the bumper had crumpled underneath.
Hubby said that there's no way that he hit it hard enough to crumple anything. There were no dents etc. on the bumper, and hubby's car didn't even have a scratch.
The crash was so minor it couldn't even be felt in the car.
The woman involved, between the incident in question and getting it assessed, was in another accident which was very severe. She all but wrote off her car in the crash. The impact was at the front of the car.
My question is this. Is it likely that this damage was caused by hubby grazing it, or is this likely to have been caused, or even made worse, by her major accident.
Our main problem is we offered to sort it out at the time, but she left it six months to claim, during which time she has made the damage worse herself, as well as initiating a fraudulent claim against another of my husband's vehicles, so we're damned if we're paying a penny more than the initial damage.
My husband hit a car at, according to his black box data, 2mph.
It was a slight graze causing a scratch to the bumper and a broken fog light.
Upon having this damage assessed, 6 months after the accident, the assessor said the bumper had crumpled underneath.
Hubby said that there's no way that he hit it hard enough to crumple anything. There were no dents etc. on the bumper, and hubby's car didn't even have a scratch.
The crash was so minor it couldn't even be felt in the car.
The woman involved, between the incident in question and getting it assessed, was in another accident which was very severe. She all but wrote off her car in the crash. The impact was at the front of the car.
My question is this. Is it likely that this damage was caused by hubby grazing it, or is this likely to have been caused, or even made worse, by her major accident.
Our main problem is we offered to sort it out at the time, but she left it six months to claim, during which time she has made the damage worse herself, as well as initiating a fraudulent claim against another of my husband's vehicles, so we're damned if we're paying a penny more than the initial damage.
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Comments
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Why not just let your insurance sort it? Thats what you paid them for.Censorship Reigns Supreme in Troll City...0
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If she has evidence your husband hit her car (texts, email, letters etc) then it doesn't matter if you don't intend to pay out.
She'll report it to her insurance if you don't play ball. and they'll report it to your husbands.
After that it doesn't matter if the claim is £30, or £5000. It will affect him in the same way financially.All your base are belong to us.0 -
forgotmyname wrote: »Why not just let your insurance sort it? Thats what you paid them for.
Because, quite frankly, they're being bloody useless.0 -
Retrogamer wrote: »If she has evidence your husband hit her car (texts, email, letters etc) then it doesn't matter if you don't intend to pay out.
She'll report it to her insurance if you don't play ball. and they'll report it to your husbands.
After that it doesn't matter if the claim is £30, or £5000. It will affect him in the same way financially.
Our insurers have known about the accident since day dot.
The problem is I don't want the insurers paying out for damage that wasn't my husband's fault.0 -
Because, quite frankly, they're being bloody useless.
How are they useless? You just forward the claim to your insurers, your hubby in control of a motor vehicle collided with another vehicle that is fact. The 3rd party wishes to persue a claim, let the insurers deal with it, they will be able to assess if an inflated claim is being made.0 -
With two heavy impacts I'm surprised it's not been written off.0
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Our insurers have known about the accident since day dot.
The problem is I don't want the insurers paying out for damage that wasn't my husband's fault.
What you want is irrelevant and you don't actually have any choice. You cannot dictate to the insurance company.
If they are so useless, sort this claim out and then shop around.make the most of it, we are only here for the weekend.
and we will never, ever return.0 -
Our insurers have known about the accident since day dot.
The problem is I don't want the insurers paying out for damage that wasn't my husband's fault.
I was in a similar situation once. I learned that regardless of what i wanted, insurance companies will do their own thing regardless.
Let them deal with it and don't worry about how much they pay out as it'll just stress you out and in the end you won't be able to change their mind.All your base are belong to us.0 -
What you want is irrelevant and you don't actually have any choice. You cannot dictate to the insurance company.
If they are so useless, sort this claim out and then shop around.
We're already with a different insurers which I think is why they're being so useless. They can't be bothered to put the effort in for someone who's no longer insured with them.0 -
Spicy_McHaggis wrote: »With two heavy impacts I'm surprised it's not been written off.
One heavy impact and one minor. Although I'm lead to believe the heavy one was very bad and was almost a write off.0
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