Non Fault car accident

Homestead_Kaya

Our car was involved in a non fault accident. The insurance company have said it's a write off (slight damage to rear). They have offered a price which isn't enough to buy a 'like for like' car. This means we will be out of business, as it is a driving instruction car.

Can anyone advise us of our rights as we are going to be considerably worse off as a result of this non fault accident.

MovingForwards

Find adverts of cars for sale which are like4like yours, eg same year, colour, make, model, mileage, service history and condition etc. Print them off and send them to your insurance company asking them to revalue their offer.

Quentin

Which insurer are you dealing with (you refer to a non fault accident - if you mean no blame then consider contacting the third party insurer to claim from either via a claim handler who would organise a replacement vehicle till the matter is resolved or DIY

Your rights as such if using your own insurer is to get it's pre incident market value less excess and outstanding premium

But if you claim directly from the third party you get what you or your AMC can negotiate

[Deleted User]

Is the cost difference because your car is modified with dual controls or something?

Also presumably without a car you have been losing money as unable to offer driving lessons, which you should be adding to the claim so it's in their interests to get you up and running again ASAP.

One thing though, you have a duty to minimize costs, so if you can somehow get a replacement car, even if you have to borrow money, you should. Unfortunately the way it works is you have to argue with them later to get the money back (including interest on loans etc.)