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  • FIRST POST
    • Mtong
    • By Mtong 11th Aug 18, 9:22 PM
    • 1Posts
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    Mtong
    Third party insurance [Churchill + Privilege]
    • #1
    • 11th Aug 18, 9:22 PM
    Third party insurance [Churchill + Privilege] 11th Aug 18 at 9:22 PM
    Hello,

    I was involved in a car incident where I was driving on the main road and a car pulled out from the side road and hit me. Both my doors are damaged (left) and back paintwork and bumper ripped off. This is something I have never experience - first time, shocked and shaken up

    I reported to Churchill, my insurance company an hour after the incident. They said I would have a car hire for approx 2 months, then the following day, they said 7 to 14 days. Thankfully, the driver admitted fault and his insurance company (Privilege) contacted me to offer third-party insurance claim the following day.

    When I called back up to Churchill insurance, the male said that "it is best to take my claim to Privilege because we are sister company". I have been very stressed, emotionally and distraught from this car incident as I am a carer for my family and work long hours, and transporting my family member to and from hospital weekly. This is the only family car we have.

    I proceeded with Privilege based on Churchill advice and they said they will help to repair the vehicle but my friends and work colleagues say my vehicle is a potential write off based on the images and also the physical look of the damage. Privilege offered me a car hire, but the car company says I only have it for 7 days only now.

    If the car is a write-off, I am not able to find a replacement family vehicle in 7 days.

    Please can anyone help, greatly appreciate. I have never been through this.
Page 1
    • keith1950
    • By keith1950 12th Aug 18, 8:42 AM
    • 2,494 Posts
    • 1,121 Thanks
    keith1950
    • #2
    • 12th Aug 18, 8:42 AM
    • #2
    • 12th Aug 18, 8:42 AM
    If it is a write off you should be able to use the hire car until you receive a settlement . Once you've received the money it's down to you.
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