Car crash next steps

Norfolk_Jim

Someone drove into the back of me at a T Junction yesterday. My car is a write off. It is old and has little value - maybe £125. My insurance excess is £195. I see a few similar models of similar age and mileage on auto trader for £200-£300.
I'm not sure the best way to proceed. I have informed my insurance of the accident but not claimed for the moment.
Not sure how to proceed in my best interests. I don't have any injuries from the crash, I just need another car. I doubt there is enough value to interest a claims handler and I do not know how to go about claiming directly off the other drivers insurance (Aviva). What do you insurance experts suggest my next step should be please

wongataa

If your car is worth less than the excess then there is no point claiming under your own insurance. If your car is not worth much then it may not be worth the effort to you to claim off the third party. It is probably easier to just buy another car and transfer your current policy over to it.

Quentin

Claims handlers may be interested - assuming you need a replacement car pending the settlement of your write off.

Give a ring and see

chris_m

Quentin wrote: »

Claims handlers may be interested

Of course claims handlers will be interested - assuming they can cream enough off the top

teddysmum

Contact the other person's insurer and quote a dealer's sale price for the car's replacement.


I had such an accident three weeks ago, but the other person's insurer contacted us,so our insurer was not used.


My car is an old N reg and initial offer was for repair, but not enough to cover such, due to the rarity of a tailgate. Our son called them and got me the replacement price for buying from a dealer ,though there are lots of cheaper private sales, and less 10% salvage, I got to keep the car.


Also,don't dimiss injuries as some neck problems can occur at a later date.


I had problems with my back (within a few hours) due to an existing condition, but no neck problems (except initial stiffness) until a week later, when a sudden bolt of pain resulted in my being unable to move it more than a few centimetres each way. (My sister has since told me that she had similar late onset).

Sally_A

Call Aviva directly https://www.direct.aviva.co.uk/MyPortfolio/Public/Claims/Motor

They should be able to trace their policyholder from reg no alone.

They will love you for not going down the injury/credit hire route, so are likely to be more accommodating with getting you a £300 replacement vehicle.

glentoran99

Someone drove into you? Then you shouldn't have to pay your excess,

glentoran99

teddysmum wrote: »

I had problems with my back (within a few hours) due to an existing condition, but no neck problems (except initial stiffness) until a week later, when a sudden bolt of pain resulted in my being unable to move it more than a few centimetres each way. (My sister has since told me that she had similar late onset).

Compensation can set in at any time after an accident..

bibirella

most of the time they can use parts of the car! they resell them and earn more than the gave you

Norfolk_Jim

Sally_A wrote: »

Call Aviva directly https://www.direct.aviva.co.uk/MyPortfolio/Public/Claims/Motor

They should be able to trace their policyholder from reg no alone.

They will love you for not going down the injury/credit hire route, so are likely to be more accommodating with getting you a £300 replacement vehicle.

Thank you. Do you suggest using the online form that you give the link for? It appears to be for Aviva policy holders only.

Norfolk_Jim

glentoran99 wrote: »

Someone drove into you? Then you shouldn't have to pay your excess,

My Insurance say they would instruct a solicitor for me to try and reclaim my excess


I thought it might be possible to claim against them myself, either directly or through some sort of small claims procedure that I thought I might find out more about on here.


I've no interest in making a big claim but the other driver is ignoring me at the moment - they had a posh modern car with a kiddie in the back