Vehicle Insurance Please use this forum to discuss vehicle insurance companies, services, quotations, recommendations, etc. |
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30th January 2007, 21:30
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#1
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Regular Poster
Join Date: Mar 2006
Location: Reading, United Kingdom (England)
Posts: 407
Car(s): Mk2 Silver VTR
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Do insurers check the car over?
ive been hit up the back today by some guy in a 4x4 and he has dented the boot, cracked the rear bumper and smashed me light. ive spoken to a lotof people including my dads mate who is a policeman and they all reckon its his fault as i was going round a roundabout and had to break then he hit me. will the insuers check my car over whe they access the dmage, particlary the suspension becuase its not fully covered yet as i havnt got the engineers report yet. let me know cheers
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VTR III Silver, Lowered 40mm on KONI'S, Magnex Cat Back w.Decat, Gunmetal VTR rims, Sparco strut brace. . . . more to come VTR III
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30th January 2007, 21:42
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#2
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Saxperience Post Whore
Join Date: Feb 2005
Location: St Andrews United Kingdom (Scotland)
Posts: 7,384
Car(s): Green mk1 vtr/s and Focus zetec
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as it's his fault, his insurance company will send a loss adjuster out to inspect your car, basically to see if there is any way of getting out of paying for your damage. technically you shouldn't really have been driving as you're suspension wasn't declared (again tecnically, due to you not having the engineers report) so if they do send someone out and he picks up on that then they wont pay out.
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Quote:
Originally Posted by Scott
Internet warriors, hardmen and COCKS ahoy!
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30th January 2007, 21:53
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#3
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Regular Poster
Join Date: Mar 2006
Location: Reading, United Kingdom (England)
Posts: 407
Car(s): Mk2 Silver VTR
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i know im not technically insured on it. should have been on monday as i was hoping to get the torsion bar done on sunday after getting the fron done sat but the bar was isezed so have to wait 2 weeks til i can get me mate to do it. so wasnt planning on having it half done. they have no way of proving i have it tho can they? the only thing visible are the rear dampers and they could just be standrd replacements. as it doesnt look lowered.
__________________
VTR III Silver, Lowered 40mm on KONI'S, Magnex Cat Back w.Decat, Gunmetal VTR rims, Sparco strut brace. . . . more to come VTR III
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30th January 2007, 23:29
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#4
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L-plater
Join Date: Dec 2006
Location: Burgess hill west sussex
Posts: 90
Car(s): black saxo furio
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i dont know why ppl dont declare things or risk driving when somthing isnt insured coz its always then tht it goes belly up
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30th January 2007, 23:37
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#5
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Saxperience Hardcore!
Join Date: Oct 2005
Location: Aycliffe
Posts: 32,205
Car(s): Saxo VTS
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Quote:
Originally Posted by coshycosh88
i know im not technically insured on it.
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'not technically insured' = 'not insured at all'
yeah?
To be honest though, I've seen enough posts and threads to suggest that more often than not they usually pay out regardless. Although as its not your fault, it shouldnt be going through your 'technically' void insurance. so you dont have a problem surely?
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31st January 2007, 09:45
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#6
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Regular Poster
Join Date: Mar 2006
Location: Reading, United Kingdom (England)
Posts: 407
Car(s): Mk2 Silver VTR
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It would have been insured becuase all i needed to get was a engineers report when it was done. The suspension isnt done yet tho becuase i couldnt get the torsion bar done on sunday when i got the front done on the saturday so i thought it would have been done by sunday and have an engineers report.
__________________
VTR III Silver, Lowered 40mm on KONI'S, Magnex Cat Back w.Decat, Gunmetal VTR rims, Sparco strut brace. . . . more to come VTR III
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31st January 2007, 09:56
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#7
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Saxperience Addict
Join Date: Nov 2006
Location: A farm shed in Aylesbury
Posts: 14,916
Car(s): Corolla AE86
Peugeot 205 B18C (in bits)
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you may get away with it.. the chap will probably concentrate on looking at the rear damage.
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4th February 2007, 15:49
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#8
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Frequent Poster
Join Date: Feb 2007
Location: Swansea (South Wales)
Posts: 558
Car(s): Silver Saxo Furio 2000
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remember, they dont want to look at the car, they would much rather be somewhere else. try and distract them ? only a suggestion.
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6th February 2007, 22:53
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#9
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Infrequent Poster
Join Date: Jan 2007
Location: Derby
Posts: 164
Car(s): Saxo VTR, Vauxhall Combo lol
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Quote:
Originally Posted by adsayer
'not technically insured' = 'not insured at all'
yeah?
To be honest though, I've seen enough posts and threads to suggest that more often than not they usually pay out regardless. Although as its not your fault, it shouldnt be going through your 'technically' void insurance. so you dont have a problem surely?
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Not really. if he hit us his insurance will cover damage to our car, if he didnt have insurance we wud be fukd and have to pay for it ourselves (if like me TPFT)
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9th February 2007, 13:35
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#10
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Infrequent Poster
Join Date: Jan 2007
Location: little lever- Bolton
Posts: 127
Car(s): fiesta zetec-s saxo vtr
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u will get it fixed no prob if it aint ur fault then they will just repair it 4 you. i have had 2 crashes now and the 1st was same as yours but i woz in me fiesta zetec-s and that woz lowered with 17 and extended arches and they just came out took pics and went and then i got paid to get it fixed lol and the next 1 was goin round a corner to fast and hit the curb an writen me car off that woz the fiesta and they dident even check the car and giv me 3k 4 it so all in all dnt worry lol u will get paid out
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9th February 2007, 14:09
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#11
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Established Member
Join Date: Jul 2006
Location: Gloucester
Posts: 1,232
Car(s): Black Ibiza fR
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I think its pathetic when someone hits YOU... and the insurance wont pay out because something isnt declared which has nothing to do with the situation?! You shouldnt have a problem if the guys admitted liability.
Surely its nothing to do with the other insurance company what you have declared and what you havnt? its up to your insurer to say hang on... your insurance is invalid.
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9th February 2007, 19:15
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#12
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Saxperience Post Whore
Join Date: Dec 2005
Location: flavalas of york United Kingdom (England)
Posts: 8,456
Car(s): gen7 toyota celica
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i also had 2 crashes (write off's) and no one never checked mine.
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