Insurance claim/hire car

[stealthwolf]

4 weeks ago? The accident was only 6 days ago.

[cuprajake]

Sorry didn't realise. Just with you saying you shouldnt have tonwait five weeks for repairs. And you shouldn't.

Just make sure they blend it there's about 14 shades of black magic now.

[ConeKiller]

Never use an accident management company, their clauses are always written so if the insurance company refuse to pay they claim it directly from you! It is the claimants duty to minimise costs such as hire, while an accident management company does the complete opposite!

There are also plenty out there currently under investigation by insurance companies and the IFB and they will delay the claim because of their investigations.

Easiest option if you are not at fault is to approach the other persons insurance. They will want to keep the cost down so will supply the hire car and get your car repaired etc.

[berg]

Not now really as they have the car.

You can choose who repairs your car regardless.

You will now have to claim your excess back

Should this ever happen again. Don't inform you ins and speak to a company like Collison solutions. A family run firm like ours who will deal with the claim. They make money from the car hire. Not personal injury.

Your car should of been fixed 4 weeks ago.

All you can do is write a letter of complaint. Unless Brent care know put issues they can't resolve them.

You have to inform your insurer, even if for notification purposes only, otherwise you are in breach of the policy terms and conditions and run the risk of your insurer failing to indemnify you, which if they had to deal with a third party claim under their Road Traffic Act obligations could lead to them claiming the money back from you if the successful claimant signs a form of assignment and agreement giving them a right of subrogation, or if they have already cancelled your policy for not cooperating you could end up with a CCJ against your name. Of course, these are worst case scenarios.

[stealthwolf]

Just spoken to the assessor/estimator. Wing will be replaced and painted. Alloy wheel is going to A1 wheels and they will get a new tyre on there. I've asked them to look at the bumper because there were scuffs on wheel arch. Tracking was fine. Estimate has been submitted to the insurance company so just waiting for that.

Will get on to the insurance company this week and see if we can push things along.

[stealthwolf]

So to update so far:
Rang them on tues and they had submitted the estimate to the insurance company.
Insurance company approves same day
Car won't be ready until Thurs at the earliest.

 

[Frodo-anni]

Atleast its now moving along, what did they do about the car hire

[stealthwolf]

The repairers offered one but they couldn't pick up my car for about a week. Hence went to Enterprise who plan to claim it off the other side. That bleedin' Chevvy Spark has been playing havoc with my back.

[stealthwolf]

Car is ready now. It was supposed to be ready yesterday but I can't pick it up until the weekend.

So plan is to go in tomorrow to inspect the work and pick it up. ERAC have also rung up to say that they've been told the car is ready to pick up and hence want to collect the hire car.

Two questions:

1. What happens if I'm not happy with the work? Do I reject it? Or tell them it's not right, but drive home? What about the hire car?
2. I have to pay the excess on collection. How do I claim this back from the third party?

[bacillus]

If you have legal protection on your insurance then use it to reclaim the excess.

[stealthwolf]

Just picked up the car this morning. Wheel refurb was a little disheartening - absolutely perfect except the outer lip is slightly wider. I can notice it but no one else did until I pointed it out. The wing looks okay in terms of paint but ever so slightly wider panel gap where the wing meets A pillar.

Better news is that my back is now 100% better since sitting in the GTI. Miss that lumbar support.

[Deako]

Just picked up the car this morning. Wheel refurb was a little disheartening - absolutely perfect except the outer lip is slightly wider. I can notice it but no one else did until I pointed it out. The wing looks okay in terms of paint but ever so slightly wider panel gap where the wing meets A pillar.

Better news is that my back is now 100% better since sitting in the GTI. Miss that lumbar support.

Should have rejected the repair until it was perfect.

Repair firm don't get paid until you sign it off and say you are happy.

[vRSAlex]

Go back and get them to do it correctly. Or pop over and I can sort the panel gaps.

[stealthwolf]

I was gonna sort out the panel gaps wth you alex anyway.
The main concern is the refurb. The lip is a lot larger than when I first spotted it because of the thicker tyre wall/rim protection. Can I still reject it despite having collected the car?

[stealthwolf]

Okay to update, just received a letter from my insurance company asking me to fill in a written description of the accident and the damage, as well as third party details.

Is this normal or is this an indication that the third party is now denying the accident?

I already sent them photos of both cars and several times verbally confirmed the details of events over the phone.