Problem with car insurance after accident that was not my fault

Mildly_Miffed

What car/age/trim/engine/mileage/condition, and how much have they offered?

Jen19999

Sorry for the delay 

It is a 2012 Skoda Yeti 2l tdi Elegance with 130k miles. It is in vgc

They have offered £4k, I see similar age for £5k and over 

DullGreyGuy

Jen19999 said:

Can I ask for more advice please?

The other party's insurance has accepted liability.

My insurance company has deemed my car as too expensive to fix and therefore a write off.  I did try to negotiate that they get the other insurance company to pay for fixing the car but unfortunately the garage was too swift and it has been sent for scrap already.

What they are paying me is probably a fair price of what the car is worth but bearing in mind dealer's fees I will not be able to get another car of the similar standard/age/etc for what I will be paid

Can I claim an additional cost from the other party's insurance company and if so can you give me any tips on how to go about this?

My insurance company won't assist as apparently I would need Motor Legal Protection insurance for this service. I apparently have to claim all my costs for taxis and hire cars from the other insurance company myself 

It's not hard to do, your insurers should be able to give you the relevant claim reference number and address etc for the third party insurer. You then send them a letter outlining what you are claiming for and how much and enclose copies of receipts etc as evidence. I'd always suggest to send copies not the originals as things can go missing in the post. 

They will respond with an offer or cheque depending on if they accept all the items you're claiming. 

Jen19999

DullGreyGuy said:

Jen19999 said:

Can I ask for more advice please?

The other party's insurance has accepted liability.

My insurance company has deemed my car as too expensive to fix and therefore a write off.  I did try to negotiate that they get the other insurance company to pay for fixing the car but unfortunately the garage was too swift and it has been sent for scrap already.

What they are paying me is probably a fair price of what the car is worth but bearing in mind dealer's fees I will not be able to get another car of the similar standard/age/etc for what I will be paid

Can I claim an additional cost from the other party's insurance company and if so can you give me any tips on how to go about this?


My insurance company won't assist as apparently I would need Motor Legal Protection insurance for this service. I apparently have to claim all my costs for taxis and hire cars from the other insurance company myself 

It's not hard to do, your insurers should be able to give you the relevant claim reference number and address etc for the third party insurer. You then send them a letter outlining what you are claiming for and how much and enclose copies of receipts etc as evidence. I'd always suggest to send copies not the originals as things can go missing in the post. 

They will respond with an offer or cheque depending on if they accept all the items you're claiming. 

Thank you very much for the info

jimjames

Jen19999 said:

Sorry for the delay 

It is a 2012 Skoda Yeti 2l tdi Elegance with 130k miles. It is in vgc

They have offered £4k, I see similar age for £5k and over 

In which case provide the evidence to dispute it. I've had a claim in the past and once provided with the details of multiple similar cars at higher prices and all the service history of my car showing its condition their offer was increased.

Mildly_Miffed

Jen19999 said:

Sorry for the delay 

It is a 2012 Skoda Yeti 2l tdi Elegance with 130k miles. It is in vgc

They have offered £4k, I see similar age for £5k and over 

12yo car, so let's not get too precious about precise trim.
There's 22 2012 Yeti diesels on Autotrader.
Only one has higher mileage than yours (134k), and is £2.9k - Elegance spec, too. 
https://www.autotrader.co.uk/car-details/202408233197151

The only other over 125k is £4250.
https://www.autotrader.co.uk/car-details/202408193047696

Another 8 are over 100k, six of which are under £4.5k.

120k miles, Elegance spec, £4k on the nose, one owner from new.
https://www.autotrader.co.uk/car-details/202408142896369