Insurance refusal

DullGreyGuy

Shez97 said:

Thank you everyone for your advice and input. I've gone to my insurer. I'm not sure why he was trying to negotiate fees with me when I sent them the breakdown for the repairs and that didn't even cover the courtesy car 🥴

There are some people out there that will go to a main dealership for a quote and when they get the cash they then go to a backstreet garage for the repairs and/or just live with the damage and pocket the rest. 

There are also people that think thats what others are going to do and so will negotiate from the main dealership quote down. 

Shez97

DullGreyGuy said:

Shez97 said:

Thank you everyone for your advice and input. I've gone to my insurer. I'm not sure why he was trying to negotiate fees with me when I sent them the breakdown for the repairs and that didn't even cover the courtesy car 🥴

There are some people out there that will go to a main dealership for a quote and when they get the cash they then go to a backstreet garage for the repairs and/or just live with the damage and pocket the rest. 

There are also people that think thats what others are going to do and so will negotiate from the main dealership quote down. 

I understand, I guess because my intentions weren't that way inclined I wasn't really thinking of that but it is what it is.

DullGreyGuy

Shez97 said:

DullGreyGuy said:

Shez97 said:

Thank you everyone for your advice and input. I've gone to my insurer. I'm not sure why he was trying to negotiate fees with me when I sent them the breakdown for the repairs and that didn't even cover the courtesy car 🥴

There are some people out there that will go to a main dealership for a quote and when they get the cash they then go to a backstreet garage for the repairs and/or just live with the damage and pocket the rest. 

There are also people that think thats what others are going to do and so will negotiate from the main dealership quote down. 

I understand, I guess because my intentions weren't that way inclined I wasn't really thinking of that but it is what it is.

Doesnt really matter if it were your intentions, legally they are obliged to pay you for the depreciation in value the car sustained at the moment of impact. Unless you try and actually sell it with the damage working out what the actual depreciation would be is difficult. As such it's been broadly accepted by the courts that the repair invoice is a reasonable proxy for the depreciation. 

You arent obliged to get the car repaired, you have still sustained an on paper loss because before the accident you had a car worth £10,000 say and now you have a car worth £8,000 because of the big dent in the side. If you keep the car at £8k and have £2k in the bank is the same as having the car repaired so restored to its £10k value and no cash in the bank. 

Shez97

DullGreyGuy said:

Shez97 said:

DullGreyGuy said:

Shez97 said:

Thank you everyone for your advice and input. I've gone to my insurer. I'm not sure why he was trying to negotiate fees with me when I sent them the breakdown for the repairs and that didn't even cover the courtesy car 🥴

There are some people out there that will go to a main dealership for a quote and when they get the cash they then go to a backstreet garage for the repairs and/or just live with the damage and pocket the rest. 

There are also people that think thats what others are going to do and so will negotiate from the main dealership quote down. 

I understand, I guess because my intentions weren't that way inclined I wasn't really thinking of that but it is what it is.

Doesnt really matter if it were your intentions, legally they are obliged to pay you for the depreciation in value the car sustained at the moment of impact. Unless you try and actually sell it with the damage working out what the actual depreciation would be is difficult. As such it's been broadly accepted by the courts that the repair invoice is a reasonable proxy for the depreciation. 

You arent obliged to get the car repaired, you have still sustained an on paper loss because before the accident you had a car worth £10,000 say and now you have a car worth £8,000 because of the big dent in the side. If you keep the car at £8k and have £2k in the bank is the same as having the car repaired so restored to its £10k value and no cash in the bank. 

Yes agreed. I did tell him this has lost its value now and it would cause issues if I wanted to sell. He was just refusing to be reasonable