Insurance, 3rd party company advice
Discussion
Girlfriend was driving to work this morning when she was hit on a roundabout by another driver. Other driver admits fault (it's a fairly obvious one), lots of tears but everyone's fine. Other driver gives details to girlfriend, they both head off separate ways.
Car has a large dent in rear panel and door. Value is sub £3k so I'm thinking it's had it's chips.
Call our insurers, Admiral, who were really helpful and they agreed that it was clearly the 3rd party's fault and passed us onto a claim handling firm. They will deal with the claim, provide a hire car, deal with any out of pocket expenses etc. Sounds fine but am I missing anything? The lady on the end of the phone made it quite clear that if injuries develop later they can be added to the claim and also said that if the car was in any way unusable (passenger door not opening) then they'd provide a hire car straight away and have the broken one picked up.
Am I missing something here? I just want to claim for the repair/write off value of the car, I don't want to claim for injuries as GF is fine and while a hire car will be handy while ours is in for repair I don't see how why I need yet another company to do this. On the flip side I guess it's useful having someone fight our case and not having to pay the excess out but I'd rather my premium didn't go through the roof over a needlessly expensive non-fault claim
What I'm essentially asking is, anyone have experience in dealing with this sort of thing?
Car has a large dent in rear panel and door. Value is sub £3k so I'm thinking it's had it's chips.
Call our insurers, Admiral, who were really helpful and they agreed that it was clearly the 3rd party's fault and passed us onto a claim handling firm. They will deal with the claim, provide a hire car, deal with any out of pocket expenses etc. Sounds fine but am I missing anything? The lady on the end of the phone made it quite clear that if injuries develop later they can be added to the claim and also said that if the car was in any way unusable (passenger door not opening) then they'd provide a hire car straight away and have the broken one picked up.
Am I missing something here? I just want to claim for the repair/write off value of the car, I don't want to claim for injuries as GF is fine and while a hire car will be handy while ours is in for repair I don't see how why I need yet another company to do this. On the flip side I guess it's useful having someone fight our case and not having to pay the excess out but I'd rather my premium didn't go through the roof over a needlessly expensive non-fault claim
What I'm essentially asking is, anyone have experience in dealing with this sort of thing?
What you'll find is that the girl has to advise of these things, in the past people weren't advised then would complain that they weren't made aware of what they were entitled too.
If you don't want to use a car hire or make a personal injury claim don't the insurer isn't forcing you they are just saying if you need to you can.
HTH
If you don't want to use a car hire or make a personal injury claim don't the insurer isn't forcing you they are just saying if you need to you can.
HTH
ZOLLAR said:
What you'll find is that the girl has to advise of these things, in the past people weren't advised then would complain that they weren't made aware of what they were entitled too.
If you don't want to use a car hire or make a personal injury claim don't the insurer isn't forcing you they are just saying if you need to you can.
HTH
That's cool. I'm just wondering if there's any downside to going with this third party company (Albany Assist)If you don't want to use a car hire or make a personal injury claim don't the insurer isn't forcing you they are just saying if you need to you can.
HTH
It all seems fine, I'm just concerned that someone, maybe not me, has to pay this third party and I'm unsure of who ends up paying for this. I'd rather not screw over the person who hit GF and I'd like to do as little damage to my renewal as pos
CampDavid said:
ZOLLAR said:
What you'll find is that the girl has to advise of these things, in the past people weren't advised then would complain that they weren't made aware of what they were entitled too.
If you don't want to use a car hire or make a personal injury claim don't the insurer isn't forcing you they are just saying if you need to you can.
HTH
That's cool. I'm just wondering if there's any downside to going with this third party company (Albany Assist)If you don't want to use a car hire or make a personal injury claim don't the insurer isn't forcing you they are just saying if you need to you can.
HTH
It all seems fine, I'm just concerned that someone, maybe not me, has to pay this third party and I'm unsure of who ends up paying for this. I'd rather not screw over the person who hit GF and I'd like to do as little damage to my renewal as pos
My thanks in advance for not pushing up insurance costs next year due to unecessary (sp?) injury claims
ZOLLAR said:
What you'll find is that the girl has to advise of these things, in the past people weren't advised then would complain that they weren't made aware of what they were entitled too.
If you don't want to use a car hire or make a personal injury claim don't the insurer isn't forcing you they are just saying if you need to you can.
HTH
I would suggest that what's happened is that Admiral have pushed this out to a 3rd party accident managemment company who will pay Admiral a *very* fat commission based on how much they can screw out of the 3rd parties insurance company.If you don't want to use a car hire or make a personal injury claim don't the insurer isn't forcing you they are just saying if you need to you can.
HTH
The OP's GF will get call after call imploring her to seek compensation for injuries - they might even *insist* that she goes to a doctor just to make sure she's OK.
They don't actually have her contact details, which is odd, they are happy to deal entirely with me, despite me not driving/not being there. Weird. I guess she'll have to fill out the paperwork.
We won't claim for compensation as no one's hurt. I'll try and get as much out of them as possible if it's written off but we won't lie to try and claim for made up injuries
We won't claim for compensation as no one's hurt. I'll try and get as much out of them as possible if it's written off but we won't lie to try and claim for made up injuries
CampDavid said:
They don't actually have her contact details, which is odd, they are happy to deal entirely with me, despite me not driving/not being there. Weird. I guess she'll have to fill out the paperwork.
That's certainly different to my experience. The car my wife uses is owned, registered and insured by me, although she is noted as the main driver. When someone ran into the back of her I claimed on our insurance. Someone else (not our insurer) rang but wouldn't even enter into a discussion with me, despite me telling them the ownership etc details. They were adamant they wanted to speak to wifey and got quite annoyed when I said no.We didn't have any forms to fill in - it was all done over the 'phone.
Recently had the same with Admiral and Albany. Lost the housing off the wing mirror due to a lorry cutting lanes on a roundabout, spoke to Admiral for advice (not worth claiming due to cost vs. excess) yet I still got Albany offering a hire car. I told Albany not to bother contacting me after the Nth text message/phonecall.
If you don't get a hire car then be prepared to be messed about for a long time by the insurance company. If you get a hire car they pay out for repairs/write off the car pretty sharpish when charges are building up. I had somebody run into the back off me a couple of years ago, I didnt bother with the hire car and it took 8 months to get settled off the other party.
How many times does someone need to post that you should only use your own insurance if the accident is your fault.
If it isnt, go through the third party's insurance.
If you need help contact a well known independent accident management company
Next you'll be telling us your insurance has used their approved repairer.
Or it might work out all ok
If it isnt, go through the third party's insurance.
If you need help contact a well known independent accident management company
Next you'll be telling us your insurance has used their approved repairer.
Or it might work out all ok
saaby93 said:
Next you'll be telling us your insurance has used their approved repairer.
Or it might work out all ok
When I claimed I took the car to the franchise dealership for repair.Or it might work out all ok
It all worked out fine. My insurance company even waived the excess which I expected to have to pay and reclaim and I don't even have legal cover with them (which you'd normally use to reclaim the excess).
In my view it's what you have fully comp insurance for. You call your insurance company and they sort it out. Mine did.
Edited by Deva Link on Tuesday 7th December 17:37
Whats the benefit to policy holders for insurers to refer
http://www.albanyassistance.co.uk/index.php?page=2
http://www.helphiregroupjobs.co.uk/albany/
http://www.albanyassistance.co.uk/index.php?page=2
http://www.helphiregroupjobs.co.uk/albany/
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