Re car insurance claim

joe134

Hi Guys, unfortunately my wife was hit in the rear of my car by another driver on adli car park a few hours ago.
The other lady driver admitted fault, gave my wife details, and I rang my insurance company up.
“Go girl, “insurance.
After a lengthy phone with them, they said there are two ways of dealing with the claim, either through them, or via Enterprise claim handling, which they more or less coerced me to go via the latter, so I would not have to pay excess, as it is a no fault claim.
They transferred me to Enterprise
Enterprise, being a car hire company, asked a lot of intrusive questions about, earnings, can I afford to pay for rental etc, which I said I could , should I need to.
Why I should need to, is the bit I am concerned about!!
This is not a courtesy car, so will have to enter into a hire agreement, and they claim it back.
Is this the normal way of getting a car repaired, or are there any hitches I need to be wary of?
For some reason, I feel like I am being manipulated by both companies, but don ‘ t know why!
I am awaiting them to locate her insurance company, which they could not locate at time I was on the phone, ? and they would let me know where the car must go, to be repaired,and where to pick up the Hire car from.
The other driver said she has notified her company,Allianz, admitting liability!
Does not mean the company will.?
Any advice would be grateful before I commit myself to Enterprise.
What happened to just having a courtesy car?

[Deleted User]

They want to know what chance they have of reclaiming the full amount from the other party.

If you can afford to hire a car yourself, they know they have less chance of getting their extremely high charges back in full.

joe134

Deleted_User wrote: »

They want to know what chance they have of reclaiming the full amount from the other party.

If you can afford to hire a car yourself, they know they have less chance of getting their extremely high charges back in full.

That is what I was,am , thinking.
I do not know how long I need a car?
If there are no doubts about liability, why should they chase car hire?
If the car is not long, I can do without a hire car, I do not use it much, but then Enterprise are in this to make money?
Any suggestions?

McKneff

And just to say, you are the innocent party so you get to say where you want your car mended, not them

joe134

McKneff wrote: »

And just to say, you are the innocent party so you get to say where you want your car mended, not them

I have just phoned them again.
He said I will not have to pay any car hire, as they will not go ahead without the other party ‘ s insurance company admitting liability!
I should not have to sign a hire agreement?
I will not have to pay anything at all!!
I do not have to have a car,should I choose not too, which I may just do?
All seems loaded towards Enterprise, to safeguard me having to pay excess and NCD when renewing my insurance if other insurers dispute anything?
Perhaps, too easy?
All very weird to me?
They said they have their own list of repairers, not my own?
This has. Happened to me before, twice!
Not without problems I may add.

rudekid48

https://www.askmid.com will give you the details of the other persons insurance if you input her reg no and yours (do it from a mobile phone and it will be free).

If she has notified her insurer then you can go direct to them. If they accept that she is liable then they will be more than happy to deal with you directly to keep the costs of the claim down - they will probably offer you a hire car too (at their expense) as they will get the car cheaper than if you go through enterprise (even though they may even get it from enterprise!).

The only downside is that you have no Ombudsman protection as you are not their policyholder so if the repairs are bad it is harder to rectify - only your own insurer is fully on the hook for guaranteeing repairs. They all use the same repairers generally though so it's not necessarily a massive risk - especially if it's an older car...

joe134

rudekid48 wrote: »

https://www.askmid.com will give you the details of the other persons insurance if you input her reg no and yours (do it from a mobile phone and it will be free).

If she has notified her insurer then you can go direct to them. If they accept that she is liable then they will be more than happy to deal with you directly to keep the costs of the claim down - they will probably offer you a hire car too (at their expense) as they will get the car cheaper than if you go through enterprise (even though they may even get it from enterprise!).

The only downside is that you have no Ombudsman protection as you are not their policyholder so if the repairs are bad it is harder to rectify - only your own insurer is fully on the hook for guaranteeing repairs. They all use the same repairers generally though so it's not necessarily a massive risk - especially if it's an older car...

Thanks very much R.
Much appreciated.
After my second phone call, and speaking to the lady who hit my car, admitting liability, which she said she has told her insurance company, Allianz ?
I think I will wait until Enterprise come back to me admitting they have had her insurance company clearance of liability, and hiring a car.
Also who will be repairing it.
I do not really know any car repairers, as you say, no ombudsman, and I have had problems in the past with same thing, so may be better to let the insurance companies deal with it.:(
That is what I pay them for.
My doubt is although she has admitted liability, her company may not ? Always the sceptic me with insurance:)
Any doubt, I will not hire a car.
In the past we had two cars, so no problem, but, alas, only one now.
See how it goes from here.:beer:

Quentin

Her admission of liability isn't binding.

Insurers decide, not their policy holders!

Get local recommendations for bodyshops, and consider going directly to the third party insurer to deal with your claim.

They should let you choose the repairer and provide a replacement car whilst yours is being repaired.

They will be especially anxious to help if you mention enterprise wish you to instruct them to manage your claim!!

joe134

Quentin wrote: »

Her admission of liability isn't binding.

Insurers decide, not their policy holders!

Get local recommendations for bodyshops, and consider going directly to the third party insurer to deal with your claim.

They should let you choose the repairer and provide a replacement car whilst yours is being repaired.

They will be especially anxious to help if you mention enterprise wish you to instruct them to manage your claim!!

hi Q.
Thanks for advice.
I know that it is the insurance company that has the say who is at fault, even though she admitted it to me.
In that event, surely my claim cannot proceed without that being settled first?
I am not happy about Enterprise handling the claim, my Insurance company say I will Not have to pay anything, they are more or less pushing me towards them?
Must be money involved, not for my benefit.?
Surely, that can only be if they have the third parties agreement of fault?
I have never had to go via a management before, my insurance company did it all, and even they dragged it out.
I know my wife will not drive a hire car.
If repairs are not long, I particularlarly do not want one, more hassle.
My daughter works for Avis car hire, enterprises main rival.
Do I detect you know how Enterprise claims operate, and do not recommend them?:(

Quentin

It costs the third party insurer more if a claim handler/credit hire company handles a claim rather than them doing it themselves.

Contact the third party insurer and ask to speak to their innocent third party claims department and ask them to deal with your claim.

If you don't want to use enterprise or the third party insurer then insist on your own insurer handling this for you. You will have to pay and reclaim your excess and expect your NCD to be temporarily impacted (unless protected) till your insurer is reimbursed

Jlo31

Yes I agree with Quentin to. In January 2017 someone reversed in to my wife's car while she was queuing for a parking space in tesco. We informed our insurance (Kwifit ) who immediately wanted to push us down the route to their claims handlers rather than to the underwriter of our insurance (Covea).

We then ring the other persons insurance company (esure) and they bent over backwards to take care of us, hired us a car for the duration of repaires etc.

I would defo get in touch with Allianz and see if they will deal with you direct.

Cheers

James