my insurance claim! UPDATED AGAIN!!

[gozzy-vtr]

PLEASE READ :( ..

ok, so someone crashed into me a while back la ddee da de da- to cut a long story short the third parties insurance has just sent me a letter saying this..

'we note your vehicle is probably damaged beyond economical repair. it is in the intrests of all our customers to ensure that any storage charges incurred are kept to the minimum. the company will normally pay reasonable charges where incurred with its consent. to ensure the vehicle is properly protected and to avoid or reduce any charges we propose to move the vehicle to safe storage within 72 hours or our engineers inspection (THAT DID THAT 3 DAYS AGO!!)

we have instucted our salvage agents to collect your vehicle and love it to a place for free and safe storage. please contact us immediatly on 0845 ********* if this is a problem.

please send v5 and MOT etc etc to our address..'

WHAT DOES THIS MEAN? DOES IT MEAN THEY ARE TAKING MY CAR TO BE CRUSHED?? I WANT TO RETAIN THE SALVAGE!! I WAS DRIVING THE BLOODY CAR TODAY ITS ONLY GOT A LITTLE DENT!!

WRITE BACK PLEASE

[Danr]

it needs to be taken away to be assesed so they can work out how much to offer you. Thats what i think it is.

[gozzy-vtr]

IM DRIVING IT TO MY MUMS TILL MONDAY SO THEY DOTN SNEAK IT AWAY WITHOUT MY CONSENT. sorry caps off.. ermm ok well i need to confoirm that before they take it, im retaining the salvage whatever, even of court action will be needed

[Danr]

They can't steal it mate. Give them a call and discuss a time and a date when they can come and get it. Maybe offer to drive it to the assesor.

Thinking about it, is it possible that you are currently driving without insurance? Might be a void thing in the policy.

[kcsaxo]

call them up and ask them what the hell is going on. your car is not immobile and it is stupid for them to assume your car is a write off. tell them that they know your address so come and get an inspector out to assess the damage and get back to you with a decision. park it on your drive way and dont move it. if they come and tow it away call the police and do them for theft.

[gozzy-vtr]

They can't steal it mate. Give them a call and discuss a time and a date when they can come and get it. Maybe offer to drive it to the assesor.

Thinking about it, is it possible that you are currently driving without insurance? Might be a void thing in the policy.

na im allowed to drive it, just not advised..

[gozzy-vtr]

call them up and ask them what the hell is going on. your car is not immobile and it is stupid for them to assume your car is a write off. tell them that they know your address so come and get an inspector out to assess the damage and get back to you with a decision. park it on your drive way and dont move it. if they come and tow it away call the police and do them for theft.

the assesor has been and said its a write off- next thing i no i have 24 hours before they wisk it away! WTF

[JC-Furio]

Ring them that's the best option mate...

If they take it away for storage, it will be to assess if it's a write off, or if it can be repaired etc. If it's a write off then they will give you the option to buy it back, or a cash sum. You can only retain salvage if you buy it back (eg. whole car) then break it etc.

I think anyways... :y:

EDIT: So it's a write off? Take it you got a cheque for it being a write off...?

[gozzy-vtr]

i want cash and my salvage so i can fix it, get it retested and put it back on the road

[JC-Furio]

Well after they declared it as a write off - they should have said "This is how much we'll give you for the car £XXXX, or you can have the car back for this price £XXXX which will be subtracted from the previous price".

That's what happened with mine anyway, it sounds like they just want to take it off your hands and store it somewhere. Just ring them to find out..

[gozzy-vtr]

cant ring them till monday cos they shut, ill let everyone know on monday. so do u think ill be able to keep my car then? i could fix it for couple hundered quid, as i say ive been driving it all day, its got a cracked bumper and a pushed up bonnet. broken headlight and slam pannel a little bent.. i guess taht4 parts aint it so yea a write off, but i could ebay those parts.. for 300£ easy

[craigy_87]

did the assesor say what made it a write off or was that damage done more than your car is worth?

[JC-Furio]

They classed that as a write off, for the sake of replacing a bonnet, bumper, headlight and slam panel? Sure there's no internal damage, as writing off for that stuff seems a bit strange.

And you want cash + salvage, then you should have been offered this or a cash sum when they wrote it off?

[gozzy-vtr]

i dunno i rely dunno.. need to phone em. na no internal damage. the letter says they writing it off.. simple. thats all i no. but they telling me they taking my car.. they aint gonna be able to find it till i no why

[JC-Furio]

Should have been in contact with you; phone or letter to give you a reason as to why they're writing it off. Will either be because the value of your car doesn't equal repair cost, or for some other strange reason...?

And they won't crush it lol.

[gozzy-vtr]

ok well as long as a can keep it i dont car. its defo not a cat b and cat c is retainable

[JC-Furio]

ok well as long as a can keep it i dont car. its defo not a cat b and cat c is retainable

Cat C is not roadworthy i believe, and it means there's more than just damage to parts... Mine was Cat D and was costing somewhere in the region of £500/600 in parts to repair.

Not sure, but i thought anything higher than cat D wasn't roadworthy..?

[gozzy-vtr]

its proabaly not roadworthy.... but its drivable... it will be cat c cos a new bumper, bonnet slam pannel and light will come to over a grand at a ctireon garage sprayed...

[JC-Furio]

its proabaly not roadworthy.... but its drivable... it will be cat c cos a new bumper, bonnet slam pannel and light will come to over a grand at a ctireon garage sprayed...

At a citroen garage my repairs came to over £2000 lol. It was still cat D... If i was you, i wouldn't be driving it around, will be more damage than meets the eye at a guess. They won't class it as cat C - just for parts.

[Sammy-Boy]

It sounds like when my first car was written off. The orginal place it was kept at was probably like a recovery yard and then they move it so that they can assess it make you an offer.

[gozzy-vtr]

UPDATE-- just got a call saying that the woman crashed into me is disputing the case- and will probably end up in court. that will defo end 50/50 which means i may have to pay half for the hire car i have which will amount to hundered of pounds. plus ill only get half of the amount for my car! i dunno what to do this is destorying my life in everyway. im not at fault for the accident but how do they no? it could go either way and either way in gonna loose out! lifes fucked up

[gozzy-vtr]

:bump:

[laura_g]

sorry to hear about this im awaiting the dude that crashed into me to accept liability and that was since jan, just keep on at the insurance company at they should get the ball rolling :)

[gozzy-vtr]

she wont admit liabilty which means it will go to court. i should win but if i dont im fucked, ill get 600quid for my car as apoosed to 1200 and ill havr to pay half of the hire car, n in 3 months when the court date is it will be 200grand each. 1400 in debt as apposed to having a car

[Quick]

50/50 normally means that insurance companies just cover their own parties costs and not the other!

It doesn't mean that you will get a reduced payment!

However you may be liable for the car hire unless it was a part of your policy!

[laura_g]

why does it have to go to court i though it would just be 50/ 50 so you will have to pay half your excess

[gozzy-vtr]

na cos they gave me a hire car as apposed to a couretsy which is 50quid a day
someone needs to pay that. 50/50 means me and her.... ASRRAGGGHHHHHHHHH! gtg be back later keep thoughts coming please

[vidal]

You will have a full payout, but as liability is disputed, BLAME will be apportioned 50/50. Both parties will lose any no claims bonus and it WILL show up as a fault accident.

Do you have motor legal cover?

V.

[gojka]

when my forte got rote off it was sat on my drive for like 4 months because i fort they were going to collect it but in the end they gave me the full 2100 for it and then i rang em and said wot do i do with the car??? and they said do what you want lol so i sold it to a near by scrappy where is is now stripped lol

[ReissJ88]

Yeah there is a very grey area, the car i just bought was involvd in an accident, light front damage, car is hpi clear yet the previous owner got paid out and obviously still had the car to sell.

[gozzy-vtr]

You will have a full payout, but as liability is disputed, BLAME will be apportioned 50/50. Both parties will lose any no claims bonus and it WILL show up as a fault accident.

Do you have motor legal cover?

V.

no i dont think i have vidal :( arrgghh im forked. do u no if duting a claim my insurance is void? cos i still been driving the sax. only got a cracked bumper n a forked bonnet

[laura_g]

usually your insurance have a legal representative acting on their and your behalf like when i was insured with diamond they appointed Albany assistance to deal with the legal side, your car is still road legal i think so you are still allowed to drive it

[gozzy-vtr]

oh yea forgot to say im third party so got noone fighting my side

[_THE_STIG_]

dont trust nobody

[gozzy-vtr]

NEW UPDATE, IM WITHDRAWING THE CLAIM! I CANT AFFORD TO RISK ALL THE LEGAL COSTS ETC! keep ya posted

[NeV_M3]

any progress with this yet mate?

[KamRacing]

surely if the car is parked on your drive then their is no need for them to collect as there will be no charges incurred

[Ge0_Ge]

:S y withdraw it, shouldnt the insurnace company pay all costs when you win

[djawesome123]

oh yea forgot to say im third party so got noone fighting my side

If your 3rd party you would only get paid out if it was %100 her fault surely. If it was even a little bit your fault then you dont get any money