Drunk driver crashed into my car today

tonyh66

It might not just be damaged as you describe, there could be hidden damage to sub frame, suspension etc. A garage needs to look at it I would definitely call my insurer.

dacouch

huckster wrote: »

Dacouch, you now about these trade policies. Do you think it is possible that the third parties trade policy insurers might not be happy with a claim ?

Sounds like the wife borrowed one of her husbands trade cars, got drunk and crashed into another car. Was she even insured to drive the car ?

I should imagine that the OP might be met with an unhelpful response contacting the third party trade insurers. They would have to contact their policyholder anyway to find out what happened.

Given the possibility of a write off and gaining agreement on a settlement as quickly as possible, it might be easier for the OP to deal with her own insurers ?

It depends on the Insurer, hence my question as to who the Insurer is.

If it's someone like Tradex, I'd be inclined to claim from my own Insurance. If it's a proper Insurer such as Aviva etc I would try and claim from directly from the Motortrade Insurer.

Taking into the circumstances of the claim, I suspect it's not a proper Insurer so there could be problems claiming direct.

It's very possible for the trade policy to cover the wife to drive stock or customers vehicles for private use. Also very possible that the policy includes a drink drivers exclusion.

gemmylouise

dacouch wrote: »

It depends on the Insurer, hence my question as to who the Insurer is.

If it's someone like Tradex, I'd be inclined to claim from my own Insurance. If it's a proper Insurer such as Aviva etc I would try and claim from directly from the Motortrade Insurer.

Taking into the circumstances of the claim, I suspect it's not a proper Insurer so there could be problems claiming direct.

It's very possible for the trade policy to cover the wife to drive stock or customers vehicles for private use. Also very possible that the policy includes a drink drivers exclusion.

Hiya. The police have told me it is Tradex!!!! Is that bad!? I have called my insurance company and they have said it is a write off without even looking at it as a new bumper and wing on a ten year old BMW is not worth it the market value. I am waiting for my insurance company to give me a settlement quote... As I didn't have legal cover ticked on my policy they say it will be minus my excess! Fingers crossed for a good price to buy a new car! Thanks

dacouch

gemmylouise wrote: »

Hiya. The police have told me it is Tradex!!!! Is that bad!? I have called my insurance company and they have said it is a write off without even looking at it as a new bumper and wing on a ten year old BMW is not worth it the market value. I am waiting for my insurance company to give me a settlement quote... As I didn't have legal cover ticked on my policy they say it will be minus my excess! Fingers crossed for a good price to buy a new car! Thanks

Tradex are arguably the worst Insurer in the UK to deal with.

By all means try dealing with them directly to see how they play it, as others have mentioned you can then always go back to your own Insurer.

They will try everything they can to try and avoid paying out to their own customer but might (I would not hold my breath) be more helpful to you.

The guy is ultimately going to have to pay your claim himself as Tradex will have a drink drive clause they will enforce in addition to any other ways they try and find to avoid paying the claim.

Quentin

gemmylouise wrote: »

... As I didn't have legal cover ticked on my policy they say it will be minus my excess! Fingers crossed for a good price to buy a new car! Thanks

Although the excess will be deducted from any settlement, you will be able to pursue the third party to reimburse you this and any other out of pocket uninsured losses you experience.

Blackbeard_of_Perranporth

You pay insurance.

Use your insurance.

gemmylouise

Blackbeard_of_Perranporth wrote: »

You pay insurance.

Use your insurance.

Best answer! I agree! Thanks

gemmylouise

dacouch wrote: »

Tradex are arguably the worst Insurer in the UK to deal with.

By all means try dealing with them directly to see how they play it, as others have mentioned you can then always go back to your own Insurer.

They will try everything they can to try and avoid paying out to their own customer but might (I would not hold my breath) be more helpful to you.

The guy is ultimately going to have to pay your claim himself as Tradex will have a drink drive clause they will enforce in addition to any other ways they try and find to avoid paying the claim.

Oh god, this is why he came knocking my door at midnight offering me cash then!!! The police said she won't be covered because she was over the limit. Thank god for the helpful witnesses who called the police

huckster

Here is a thought. If the third parties husband is a motor trade dealer, he could find you a replacement BMW you agreed to. He then buys it for you and takes your written off car in salvage. He is going to end up paying the claim value anyway, given the drink drive exclusion on his Tradex policy. It might save him being subject to further costs and problems with his Insurers.

But of course it depends on whether he is somebody trustworthy. It might be safer just to go down the route of using your own Insurance, but of course you then accept delays in getting your excess back and possibly waiting longer to have the money to buy a replacement. Also if the renewal is due soon, this could be affected.

superbigal36

For me you hold a set of 4 aces.
I would be getting a rough quote to repair and "doubling it", for a cash settlement with said gentleman.
He is playing the game so cant have any problem with you reciprocating.