Is it possible to cancel no-fault claim through own insurance company?

markgerrard

sheramber said:

From what I understand  insurance company repairs are not done with generic parts. Because repairs are guaranteed they only use manufacturer parts which will be more expensive. 

The repairer that they use will probably charge more per hour than a local repairer.

The insurance company are not going to pay out unnecessarily for “an arrangement “ between a management company and CoPart. 

Yet £2,100 quote for repairing a bumper on the driver side edge of bumper on a car like a 107, does seem a little excessive though? Considering it's the exact same amount they are valuing the car at?

Also considering that no one informed us it was going to CoPart, else I wouldn't have left the £300 carplay stereo I'd just had fitted!

The claim management company is Carpenters solicitors they have terrible reviews, once my son said his back was a little sore, less than 1 hour from the accident, they had arranged a consultant and physio, they are money grabbing and as dodgy as they come!

born_again

markgerrard said:

GrumpyDil said:

Copart will put the car straight into auction if they think they can get more money from it than by purely scrapping it. 

Your best bet is likely going to be agree that they write the car off, sell it back to you and you repair it. 

It's not the worst situation, my daughter's boyfriend has had his car written off as cat N twice and has actually been paid out more than he paid for the car.

By the way your wording is confusing as you keep referring to I but any complaint will need to be in his name based on the fact I think this is his insurance policy. Also if he either buys a new car or repairs his existing the insurance is likely to be able to continue. 

Thanks for your reply, I thought an insurance policy stopped with a write off, so if he buys it back for the £500 they want then, I've lost around £800-850 as the policy only started in April.

If the same policy continues after the car being bought back it's not as big a problem. As they said they are willing to give us £1600 back after the £500 for the car but have to wait for the £800 excess back at some point.

I'm getting the car sent back as it stands, buying it back for £500 due to it being written off. However if I complain to the Ombudsman and show that the repairs are only £500 and the car is valued at £2100 then it's less than the 60% and should never have been written off in the first place.

I've seen your entitled to have the car repaired wherever you choose, so surely I should be able to go down that route. I'm not interested what deals the shady claims management solicitors Carpenters have with CoPart, I never agreed to it and I am asking for call recordings.

If my 17 year old son agreed to anything on the collection form it won't be legally binding due to him being under 18 and a minor, thus any contract he enters into is voidable until he is 18 and a reasonable time after that.

If Carpenters would have told me about scrapping it, I would have told them not to proceed with the claim, they obviously get a kick back from CoPart on their agreement and it's a scam.

Why should the at fault driver's insurance company have to pay the £2,100 write off cost of my sons vehicle if I can get the damage repaired for £500, surely that is insurance fraud, by the claims management company who will be claiming this from the at fault party?

It's no wonder insurance premiums are so high with cowboy claims management company and car auctioneers like CoPart working in cahoots, to defraud people and other insurance companies.

Regards

You can only complain if the claim was made via your son's insurance. If it was via one of the other ins co then there is no right of complaint.

Your quote for repairs means nothing. Insurance will be for new parts & at agreed labour rates. So any complaint on these grounds will be pointless.

markgerrard

born_again said:

markgerrard said:

GrumpyDil said:

Copart will put the car straight into auction if they think they can get more money from it than by purely scrapping it. 

Your best bet is likely going to be agree that they write the car off, sell it back to you and you repair it. 

It's not the worst situation, my daughter's boyfriend has had his car written off as cat N twice and has actually been paid out more than he paid for the car.

By the way your wording is confusing as you keep referring to I but any complaint will need to be in his name based on the fact I think this is his insurance policy. Also if he either buys a new car or repairs his existing the insurance is likely to be able to continue. 

Thanks for your reply, I thought an insurance policy stopped with a write off, so if he buys it back for the £500 they want then, I've lost around £800-850 as the policy only started in April.

If the same policy continues after the car being bought back it's not as big a problem. As they said they are willing to give us £1600 back after the £500 for the car but have to wait for the £800 excess back at some point.

I'm getting the car sent back as it stands, buying it back for £500 due to it being written off. However if I complain to the Ombudsman and show that the repairs are only £500 and the car is valued at £2100 then it's less than the 60% and should never have been written off in the first place.

I've seen your entitled to have the car repaired wherever you choose, so surely I should be able to go down that route. I'm not interested what deals the shady claims management solicitors Carpenters have with CoPart, I never agreed to it and I am asking for call recordings.

If my 17 year old son agreed to anything on the collection form it won't be legally binding due to him being under 18 and a minor, thus any contract he enters into is voidable until he is 18 and a reasonable time after that.

If Carpenters would have told me about scrapping it, I would have told them not to proceed with the claim, they obviously get a kick back from CoPart on their agreement and it's a scam.

Why should the at fault driver's insurance company have to pay the £2,100 write off cost of my sons vehicle if I can get the damage repaired for £500, surely that is insurance fraud, by the claims management company who will be claiming this from the at fault party?

It's no wonder insurance premiums are so high with cowboy claims management company and car auctioneers like CoPart working in cahoots, to defraud people and other insurance companies.

Regards

You can only complain if the claim was made via your son's insurance. If it was via one of the other ins co then there is no right of complaint.

Your quote for repairs means nothing. Insurance will be for new parts & at agreed labour rates. So any complaint on these grounds will be pointless.

The claim is a result of using my son's insurance Ticket who looks like out source claim handling to Carpenters LTD (absolutely rubbish reviews on TrustPilot). 

The quote for repairs does mean something this is policy wording:

"Choosing another repairer

When you’re claiming with this policy

You can take your car to a repairer of your choice but it means you won’t get the benefits available with our nominated repairer. You’ll also need to send us a repair estimate to approve before the work can start, which may delay your claim and repairs to your car. If you use a different repairer, an additional £500 excess will be applied"

They didn't tell me all T&C's like they said about scrappage and also my son is only 17 so cannot enter into any contract.

Therefore I am going to go down this route, even paying the £500 excess, as to leave the original insurance policy in place. The ombudsman does get involved with discussions about write-off due to vehicle value and I'm pretty sure no bodywork company is going to agree it costs £2,100 to replace a bumper and respray. It's insurance fraud pure and simple to say it does!

DullGreyGuy

Brie said:

And as a side thought....Enterprise was willing to give a rental to a 17 yo?  I thought their minimum age was 25?  Or did you take the rental and son used your car in the meantime?

25 is for private hire, they have different rules for their other services. I know when garages want to use Enterprise as a courtesy car solution the minimum age is 18. Their accident management service is presumably 17... can't recall any cases where age of the third party was an issue for hire.

markgerrard said:

The quote for repairs does mean something this is policy wording:

"Choosing another repairer

When you’re claiming with this policy

You can take your car to a repairer of your choice but it means you won’t get the benefits available with our nominated repairer. You’ll also need to send us a repair estimate to approve before the work can start, which may delay your claim and repairs to your car. If you use a different repairer, an additional £500 excess will be applied"

They didn't tell me all T&C's like they said about scrappage and also my son is only 17 so cannot enter into any contract.

Therefore I am going to go down this route, even paying the £500 excess, as to leave the original insurance policy in place. The ombudsman does get involved with discussions about write-off due to vehicle value and I'm pretty sure no bodywork company is going to agree it costs £2,100 to replace a bumper and respray. It's insurance fraud pure and simple to say it does!

Policy wording makes no difference because you are not claiming off the policy but going down the accident management route. 

A 17 year old can enter into a contract! Has your son never in his life bought anything at all from a shop? The problem with minors entering into a contract is that they are binding on the counter party but not binding on the minor and who'd want to enter into a contract where the other party doesn't have to fulfil their obligations? There is an exception to this however, contracts for necessities are binding on minors (eg food, accomodation, education etc) 

The cost of doing a repair varies significantly from the kind of place that will just look for a secondhand replacement and stick it on for a couple of hundred to those that will buy a manufacturer branded bumper new, charging you the MRSP, will fully spray it and blend it in to all the surrounding panels, clean the car, pick it up/drop it off etc. Unfortunately I dont have access to any of the vehicle estimators tools but something coming up to £2k doesn't sound ridiculous which would write off a £2,100 valued vehicle. 

If you want to pull out of the accident management route then you'd have to pay all the costs to date 

Bigphil1474

OP, just ask for the car back, they pay out your claim minus the salvage cost, you get the car fixed, and son has a working car back albeit with a write off marker on it. The extra money you make from the deal is to make up for the lower value of the car (as a write off) should you wish to sell it in the future. If you don't sell it and drive it until it's scrapped, you're ahead. Carry the insurance policy on and it's chicken dinner time. Don't bother complaining, and just use a proper insurance company in future.