Rear shunt this morning, write-off but driveable

caprikid1

If you deal with the third Party I believe they cannot CAT D your car, all they are doing is settling a third party claim.


I have had a third party insurance company threaten this and I told them in no uncertain terms they could not.


Best way of dealing with this is not to wait for them to make an offer, make the third party insurance company an office.


I would suggest a settlement figure, I had no evidence of whiplash and £1200 worth of damage , I suggested a full and final settlement of £2000. Given hire cars , whiplash and all the other crazy claims they didn't hesitate to accept that as a fair settlement.


Only the Company Insuring your car can Write it off / keep it as far as I am concerned.

thevinternet

Brilliant advice so far, thank you!


For those who settled claims, did your car always have to be taken away to be assessed? I am very wary of letting them do that for 3 reasons:


1. I definitely want to buy the car back, but when I googled a missed call from my phone yesterday it was from a salvage/scrap dealer, I then rang them and they were very taken aback by my car and claimed they couldn't deal with my query 'You should wait for us to contact you again'....he seemed very shady on the phone! He also told me 'We store your car before an assessor comes to visit it', which is not what is online!


2. I need my car daily for work, and don't want to faff about with a hire car TBH

3. A lot of people online are advising me 'Don't let them take your car!!'


Is there any way I can get them to assess the damage without giving my car away for a few days? I took lots of photos, and they are with Aviva now (my insurance company). I rang them again today, and the girl was lovely, but quite clueless and very thrown by many of my quite specific questions! She even said 'I've never dealt with someone who wants to keep their car before!' She did say that they are going to waive the excess though.

thevinternet

dannyrst wrote: »

Does anybody else who has never made an insurance claim have the remotest idea what to expect or how to handle the situation?

I might have to figure it out eventually.

I have learnt a lot in the last 24 hours!!!
It is certainly not as simple as I had hoped, but what is in life?!


Perhaps I will get a happy result. Let's see.

Rubidium

thevinternet wrote: »

I have learnt a lot in the last 24 hours!!!
It is certainly not as simple as I had hoped, but what is in life?!


Perhaps I will get a happy result. Let's see.

You really should be claiming directly from her insurance company not your own!

You should have cancelled your insurance company claim and stated info only and used the "No fault claims dept" at her insurance company.

An assessor can view the car just as easily at your home or place of work, so don't let it get taken away if you want to keep the car.

Been there done it!

caprikid1

I have had assessors out once and sent photos another time.


I have always used the body shop I wanted (Back street not flash).


I think not letting them take your car is ok advice but you could get stuck. I have never had to the discussion myself.

caprikid1

When they came out they came to my house. Quality photo's was sufficient the second time.

Marktheshark

This will remain on the Cue database for 5 years now anyway so cancelling your claim wont save any money, you now have to declare the incident when asked and premiums will be more expensive as a result.

No its not fair, but that is insurance.

thevinternet

Rubidium wrote: »

You really should be claiming directly from her insurance company not your own!

You should have cancelled your insurance company claim and stated info only and used the "No fault claims dept" at her insurance company.

An assessor can view the car just as easily at your home or place of work, so don't let it get taken away if you want to keep the car.

Been there done it!

Ah yes, I realise now that there's a lot I should have done. I guess mistakes are how we learn.


I could still cancel the claim with my company and go directly to hers - so I am going to see how my company respond to the barrage of questions I gave them today and then take it from there.

thevinternet

caprikid1 wrote: »

When they came out they came to my house. Quality photo's was sufficient the second time.

Thanks for this!

And was this a claim with your insurance company or with the other party as a third party claim please?
P.s. the hilarious young girl on the phone this afternoon said to me 'When working out a fair price, we do this thing called market research....' Bless her cottons.

loskie

Marktheshark: the future insurance premiums should not cost any more if no costs are borne by the OP's insurer and the claim is settled by the third party's.
regardless of a claim the accident has to be notified to them anyway.
That is my recent experience for which I was pleasantly surprised. My insurer was direct line and LV (two cars) his was Privelidge