Discussion
Sitting waiting to turn right this afternoon I got rear ended by a young lad in a Golf. I was just going to go directly to his insurance company as it was pretty clear cut. However I’m now sat in A&E as my wife has got neck ache and back ache. This could be slightly worse than normal as she has arthritis in her neck. Does her injury (if it turns out that is what it is) complicate a straightforward claim and how do I go about calculating this? Just to add I’m not claiming for myself or hire car or anything like that.
I was just wanting the value of my car (old Panda and almost certainly a write off).
Still... she can’t say I never take her out on a Saturday night:-).
I was just wanting the value of my car (old Panda and almost certainly a write off).
Still... she can’t say I never take her out on a Saturday night:-).
Unless you are not fully comprehensive.
All you do is let your own insurance company deal with it.
If he hit you from behind then he is at fault.
You are entitled to a replacement hire car at the third parties cost.
Any injuries to anyone in your car are delt with by your insurance company who will engage solicitors to act on your behalf.
The costs are then recovered from the third party by your insurance company.
All you do is let your own insurance company deal with it.
If he hit you from behind then he is at fault.
You are entitled to a replacement hire car at the third parties cost.
Any injuries to anyone in your car are delt with by your insurance company who will engage solicitors to act on your behalf.
The costs are then recovered from the third party by your insurance company.
Your wife is a totally separate legal entity from yourself. She brings her own claim. You bring your own claim if you want to. It won't complicate matters. She goes to a solicitor and they will deal with the PI claim. To quantify it, she'll have to see a medical expert who will prepare a report which will give a recovery prognosis.
kestral said:
Unless you are not fully comprehensive.
All you do is let your own insurance company deal with it.
If he hit you from behind then he is at fault.
You are entitled to a replacement hire car at the third parties cost.
Any injuries to anyone in your car are delt with by your insurance company who will engage solicitors to act on your behalf.
The costs are then recovered from the third party by your insurance company.
Not necessarily. Injuries, car hire, excess etc are uninsured losses. Not covered by your comp policy. Nothing to do with your own insurer, even if you have comp cover. Some comp policies will also have uninsured loss cover whereby they will handle this for you, others don't. All you do is let your own insurance company deal with it.
If he hit you from behind then he is at fault.
You are entitled to a replacement hire car at the third parties cost.
Any injuries to anyone in your car are delt with by your insurance company who will engage solicitors to act on your behalf.
The costs are then recovered from the third party by your insurance company.
kestral said:
Unless you are not fully comprehensive.
All you do is let your own insurance company deal with it.
Any injuries to anyone in your car are delt with by your insurance company who will engage solicitors to act on your behalf.
Not quite, any potential claims you may have that would not normally as a matter of course be covered by your ins co are treated as uninsured losses which maybe your Injuries, ins excess, damage to personal items etc you will need to claim direct from the 3rd party. Your passengers though will be covered on your policy, but it may be easier for your co to keep it all under 1 roof and look to the 3rd party for the whole claim. Let them sort it out, if you have legal expenses as part of your policy then this is the time to use them.All you do is let your own insurance company deal with it.
Any injuries to anyone in your car are delt with by your insurance company who will engage solicitors to act on your behalf.
Well Mrs DW is pretty sore but it doesn't seem too bad. I'll see how it goes in the next day or so.
I've been waiting to hear from the other party with his insurance details but nothing so far. I'll give him till tomorrow and then just go to my insurance company.
Am I right in thinking even if I go through the third party's insurance they will still need to inspect the car? The problem I have is I hit a deer a few weeks ago and damaged the o/s wing and both o/s doors which would probably have written off the car as it is. In the condition it was in before I got hit in the rear it certainly had practically no resale value even though it still drove perfectly but just didn't look too good.
Am I going to get offered practically nothing no matter which way I go?
Drawweight said:
Well Mrs DW is pretty sore but it doesn't seem too bad. I'll see how it goes in the next day or so.
I've been waiting to hear from the other party with his insurance details but nothing so far. I'll give him till tomorrow and then just go to my insurance company.
Am I right in thinking even if I go through the third party's insurance they will still need to inspect the car? The problem I have is I hit a deer a few weeks ago and damaged the o/s wing and both o/s doors which would probably have written off the car as it is. In the condition it was in before I got hit in the rear it certainly had practically no resale value even though it still drove perfectly but just didn't look too good.
Am I going to get offered practically nothing no matter which way I go?
Have actually reprted this to your ins co yet? you must do so. Why are you waiting for the 3rd party details? They do not have to give then to you, all that is required in law is that you swap name, address and reg no'sI've been waiting to hear from the other party with his insurance details but nothing so far. I'll give him till tomorrow and then just go to my insurance company.
Am I right in thinking even if I go through the third party's insurance they will still need to inspect the car? The problem I have is I hit a deer a few weeks ago and damaged the o/s wing and both o/s doors which would probably have written off the car as it is. In the condition it was in before I got hit in the rear it certainly had practically no resale value even though it still drove perfectly but just didn't look too good.
Am I going to get offered practically nothing no matter which way I go?
Drawweight said:
Well Mrs DW is pretty sore but it doesn't seem too bad. I'll see how it goes in the next day or so.
I've been waiting to hear from the other party with his insurance details but nothing so far. I'll give him till tomorrow and then just go to my insurance company.
Am I right in thinking even if I go through the third party's insurance they will still need to inspect the car? The problem I have is I hit a deer a few weeks ago and damaged the o/s wing and both o/s doors which would probably have written off the car as it is. In the condition it was in before I got hit in the rear it certainly had practically no resale value even though it still drove perfectly but just didn't look too good.
Am I going to get offered practically nothing no matter which way I go?
Hope Mrs DW feels better soon. Her medical condition pre-accident will be taken into account when quantifying her compensation claim. I've been waiting to hear from the other party with his insurance details but nothing so far. I'll give him till tomorrow and then just go to my insurance company.
Am I right in thinking even if I go through the third party's insurance they will still need to inspect the car? The problem I have is I hit a deer a few weeks ago and damaged the o/s wing and both o/s doors which would probably have written off the car as it is. In the condition it was in before I got hit in the rear it certainly had practically no resale value even though it still drove perfectly but just didn't look too good.
Am I going to get offered practically nothing no matter which way I go?
If you need any help securing his insurance details drop me a message on here.
An accident management company (who almost all people are represented by these days - due to insurers largely outsourcing their claims work) normally will instruct an independent assessor to inspect your car and put a value on it. Occasionally the at-fault insurers will insist on arranging an inspection of the vehicle and often they come up with a lower valuation, than an independent, on it, which can cause friction. Pre-accident damage should/will be taken into account when considering the damage.
If the car was technically a write off pre-accident my guess is that you will receive a sum of money roughly 25% less than the pre-accident value of the car had it not been involved in the accident with the deer. I can ask an independent engineer for his take on your situation if you like?
BTW did the deer survive?
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