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car insurance claim help needed
shellie_eeyore
Posts: 12 Forumite
in Motoring
Hi there and thanks in advance for any advice anyone can give me.
My husband and my daughter were involved in a RTA on Christmas Eve on the A1, the car in front of my husband (young driver only been driving 3 months) braked and braked harder than planned (emergency stop to be precise) my husband broke but was not able to stop in time and drove into the back of him, his car was badly damaged ( expected to be written off) the car he hit was not much evidence of damage. he did the right thing called police, off duty paramedic attended (just happen to be in traffic behind him) he called green flag and he spoke to emergency insurance claims, car was taken to a secure pound by them and my husband and daughter were left at a service station (i had to travel the 70 miles to fetch them)
so we spoke to the insurance company covea on boxing day, they told us they needed to recover the vehicle and would take 48 hours to decide if written off (but the initial reports from where it was is that it was definitely going to be unrepairable) in view of this and in view of the fact it was an own fault claim we could not have a hire car. they said after the decision is made it would take up to 10 working days to issue the money (car was financed so would go to them). My husband works 35 miles from home so has had to take annual leave since as we do not have a spare car to use. we have spoken to covea last Friday who then said, the car hadnt been seen by them yet so not written off but initial indications and reports said it will be and that we still had the ten working days to wait (taking us till 9th Jan with Christmas / new year weekends etc) so we still have no car (finance company will refinance as soon as received payment) so we are in limbo. we have lost all the call out pay my husband would have got for new year working, we are still none the wiser about what is happening with the car,
I am just about to call them (again) so wanted advice on
1, if they offer us a silly amount what can I do, we need enough to pay off the previous finance. I have priced up an equivalent car on line and it is between 4,000 - 5,500 we owe 3,800.
2, if they delay things can we claim for loss of earnings ?
3, is there any way they should be giving us a hire car until this is sorted ?
any advice on how I fight my corner would be great.
update i have just spoken to Covea who tell me that the car photos and report have not yet been sent to the engineer so the ten days haven't even started, despite me explaining that we financially can not afford to be without a car and that my husband is currently needing to use annual leave as they would not give us a hire car they are still saying due to Christmas and new year everything is back logged can anyone help ?
My husband and my daughter were involved in a RTA on Christmas Eve on the A1, the car in front of my husband (young driver only been driving 3 months) braked and braked harder than planned (emergency stop to be precise) my husband broke but was not able to stop in time and drove into the back of him, his car was badly damaged ( expected to be written off) the car he hit was not much evidence of damage. he did the right thing called police, off duty paramedic attended (just happen to be in traffic behind him) he called green flag and he spoke to emergency insurance claims, car was taken to a secure pound by them and my husband and daughter were left at a service station (i had to travel the 70 miles to fetch them)
so we spoke to the insurance company covea on boxing day, they told us they needed to recover the vehicle and would take 48 hours to decide if written off (but the initial reports from where it was is that it was definitely going to be unrepairable) in view of this and in view of the fact it was an own fault claim we could not have a hire car. they said after the decision is made it would take up to 10 working days to issue the money (car was financed so would go to them). My husband works 35 miles from home so has had to take annual leave since as we do not have a spare car to use. we have spoken to covea last Friday who then said, the car hadnt been seen by them yet so not written off but initial indications and reports said it will be and that we still had the ten working days to wait (taking us till 9th Jan with Christmas / new year weekends etc) so we still have no car (finance company will refinance as soon as received payment) so we are in limbo. we have lost all the call out pay my husband would have got for new year working, we are still none the wiser about what is happening with the car,
I am just about to call them (again) so wanted advice on
1, if they offer us a silly amount what can I do, we need enough to pay off the previous finance. I have priced up an equivalent car on line and it is between 4,000 - 5,500 we owe 3,800.
2, if they delay things can we claim for loss of earnings ?
3, is there any way they should be giving us a hire car until this is sorted ?
any advice on how I fight my corner would be great.
update i have just spoken to Covea who tell me that the car photos and report have not yet been sent to the engineer so the ten days haven't even started, despite me explaining that we financially can not afford to be without a car and that my husband is currently needing to use annual leave as they would not give us a hire car they are still saying due to Christmas and new year everything is back logged can anyone help ?
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sorry i couldnt find the intial post so thought i hadnt done it properly so tried again.0
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Does your husbands policy include a curtesy car?
If not then they are not obliged to provide one as the accident was his fault.
If he needs to get to work why not hire a car until it's sorted.0 -
Seems perfectly reasonable to me. The insurer will deal with things at their own pace and you need to basically deal with that.
As much as you might not want to hear it, it's not your insurer's fault that you can't afford a hire car etc. Why should they pay for your husband's loss of earnings when the accident was entirely his fault. Unplanned emergency stop or not, if he couldn't stop in time, he was too close to the car in front.
Sorry, but I think you're going to just have to wait; put as much pressure on the insurer as you can by constant chasing, but ultimately it's your responsibility to deal with things during the period they take.0 -
You bought a cheap policy with no guaranteed hire/courtesy car. Why didnt he hire one for a few days/weeks until its sorted?
If they offer a silly amount you refuse it, But then it takes longer to settle.
I have the same cover, I dont get a car if the incident was my fault or the car is getting written off. Only if its going to be repaired.
I would just go and buy another car, If it happened to me. Until you know if its going to be written off or not why not hire one?Censorship Reigns Supreme in Troll City...0 -
forgotmyname wrote: »Until you know if its going to be written off or not why not hire one?
Spent too much on Christmas (and presumably, no savings).0 -
Losing earnings or hiring a car, Which one costs less?Censorship Reigns Supreme in Troll City...0
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