Parked vehicle rolled in to my garage causing structural damage

paulwaiting

I'm looking for advice on how to deal with the management of a claim against the Parked vehicle's owner. I contacted his insurer and they have noted a claim but say as they just deal with motor insurance it would be up to me to get quotes etc.
As the damage is structural this will mean engaging a structural engineer and some form of building project management. Looking at removing garage contents to a safe place while the roof of the garage is popped up and the side wall block work is being rebuilt.
Although I could do this myself its a lot of stressful time consuming work, could anyone recommend the type of firm you could provide this all in please ?

chunkychocky

Maybe contact your household insurance and ask them to claim from his car insurer?

InsideInsurance

You could claim off of your home insurance and they will deal with this then make a counter claim against the vehicle owner/ their insurers.

Accident Management Companies dont exist for buildings as their involvement in RTAs/ third party claims that go above the Small Track limit are rare so not enough demand.

paulwaiting

I don't have house insurance as its my own property and if I damage it then I'm happy to pay or fix it.

Keep_pedalling

paulwaiting wrote: »

I don't have house insurance as its my own property and if I damage it then I'm happy to pay or fix it.

So what would you do if it burnt to the ground? I own my house but I'm not willing to take that sort of risk.

InsideInsurance

Presumably you dont have a mortgage otherwise you'd have a contractual requirement to have Buildings insurance on the property?

If you dont want to deal with it yourself then you could appoint a claims handler but its highly unlikely that you will be entitled to claim back these costs from the other side just as an insurer cannot recover their handling costs in a non-fault claim recovery.

magpiecottage

paulwaiting wrote: »

I don't have house insurance as its my own property and if I damage it then I'm happy to pay or fix it.

Then there is not a lot of point in posting on an insurance board. You have a legal claim against the owner of the vehicle. They are liable and will ask their insurer to meet your claim against them. It is not your insurance, though.

If your buildings had been insured, your insurer would have got lawyers on to it. As you have not got an insurer, I suggest you instruct a lawyer.

rudekid48

paulwaiting wrote: »

Sorry but your comment is not helpful to the question asked and is a personal opinion clogging the forum. I'll delete this one directly.

Every post on a public forum is a personal opinion

InsideInsurance

magpiecottage wrote: »

I suggest you instruct a lawyer.

As there doesnt seem to be disputes on liability then a Lawyer will simply cost money and not add value. Its fairly unlikely the claim would make it out of Small Track and as such the legal costs are unrecoverable.

The OP seems more to want to have someone help with the more practical things of coordinating builders etc

eddddy

There are many building firms that offer a insurance claims management service. They should be experienced in offering a full 'end-to-end' service - including negotiating with insurers and doing things like removing your belongings into storage.

If you google something like builders insurance claims management you should find some.

magpiecottage

InsideInsurance wrote: »

As there doesnt seem to be disputes on liability then a Lawyer will simply cost money and not add value. Its fairly unlikely the claim would make it out of Small Track and as such the legal costs are unrecoverable.

The OP seems more to want to have someone help with the more practical things of coordinating builders etc

A lawyer will be perfectly capable of arranging what he wants.

My suggestion was really that, since the OP chose not to have the backing of an insurer to take on the owner of the vehicle, a lawyer would seem able to address the legal issues that an insurer otherwise would.

It was of course their decision not to insure but, presumably if they can afford to risk a loss of that magnitude, they can afford to pay a lawyer to run around for them.

You pay your money and you take your choice.