Insurance company wont pay on 3rd party damage

lisyloo

kahocking said:

Hi, So finally, yesterday, after months of back and forth my insurance company finally agreed to pay for the repairs to my car.  They have given me  £250 to compensate for the delay but shouldn't they pay m some more?  I have been without a car for 292 days and the cost of a hire car at say £30 per day would have been £9k!! Many thanks 

Did you for legal cover for you “uninsured losses”?
was it with your car insurer?
what were your actual additional costs? For being without a car?
by additional I mean you presumably haven’t put petrol in it for 292 days, so if bus fare was £4 and petrol was £4 then you have no additional costs.
include parking, mots, services etc. That you haven’t paid for over the last 292 days.
basically you should expect to prove your actual losses.

you did right by minimising then,

if if it’s more than £250 and you can prove it then yes you are entitled to claim back but not necessarily from your own insurer (depends on the answers above).

theoretica

kahocking said:

Hi, So finally, yesterday, after months of back and forth my insurance company finally agreed to pay for the repairs to my car.  They have given me  £250 to compensate for the delay but shouldn't they pay m some more?  I have been without a car for 292 days and the cost of a hire car at say £30 per day would have been £9k!! Many thanks 

That 292 days look like it includes about 4 months before you even told your insurance company - don't see how you can reasonably think they should have any responsibility for that portion of delay.  Many insurance policies offer an option to include hire car provision - did you pay for that option?

lisyloo

Btw - if you are legal cover then it cover you for claiming from the 3rd party not from your insurer.
usually your insurer is not liable (unless they include car hire or you paid extra for a car hire policy).

if you don’t have any add-one at all then it would be down to you to claim your uninsured losses however the claim might have been settled, so it might be too late.

why didn’t you bring this up earlier in the claim?

or when you work it out have you actually not lost that much?

Spherical38

You've advised that the vehicle is a 2006 plate but has sustained mechanical damage meaning it won't start.
It sounds likely the vehicle would be rendered beyond economic repair so you will be likely offered a settlement figure for the vehicle not repair work.  Even low level structural damage (scuffs) to the rear bumper could could write a 2006 plate vehicle off because the cost of a new rear bumper alone could exceed or come very close to what the vehicle is worth so mechanical damage will almost certainly write it off. Has the third parties insurer not offered you a settlement figure for the pre-accident value of the vehicle? Assuming the impact to the rear bumper would have wrote the vehicle off alone (discounting the mechanical damage) they would need to pay you out for the pre-accident value of the vehicle regardless of them disputing the engine damage. 


If you make a claim on your comprehensive insurance, your insurer will attempt to recover the costs once your claim has been settled by them from the third parties insurer, but this could have an impact on your premiums if these costs haven't been recovered when you renew your policy because they will show up as incurred costs.