Claims handling - car damaged my property

[sealtt]

An idiot drove off the road and smashed into my front gate and wall, i got all their details so need to get it sorted ASAP.

Any recommendations for a Claims handling company? I expect it will be a £5k repair bill, the installation was brand new in January 2016.

I want to get the gate installer to come and take the gate out the way first thing, but not sure if I can get them to do work without being billed for it myself?

Thanks for any advice as never had to Handle car to property damage claim. My home insurance, their car insurance, claim handler?

Edited by sealtt on Thursday 22 December 01:48

[sealtt]

And I should mention that I need something done ASAP as I can't actually get out of the house as of right now as the gate is massive 5m wide by 2m high and has come off its tracks. so need someone here ASAP to sort but not sure who to go thrlugh.

Edited by sealtt on Thursday 22 December 01:48

[dacouch]

A claims management company won't be interested in your claim as there is no way they can generate any money for themselves.

Your options are claim on your own Home Insurance or claim directly from the other Insurer.

You can obtain the contact details and policy number of the driver for a small fee here www.askmid.com

[TwigtheWonderkid]

dacouch said:

A claims management company won't be interested in your claim as there is no way they can generate any money for themselves.

Your options are claim on your own Home Insurance or claim directly from the other Insurer.

You can obtain the contact details and policy number of the driver for a small fee here www.askmid.com

^^^THIS.

Accident management co. is a non starter, unless you are thinking of hiring in a new gate on credit hire whilst your gate is being repaired.

[sealtt]

Ah thanks for explaining, have logged it with my insurance and they will claim against the girls insurance on my behalf.

A wonderful Christmas treat.

[RYH64E]

sealtt said:

Ah thanks for explaining, have logged it with my insurance and they will claim against the girls insurance on my behalf.

A wonderful Christmas treat.

Worse things happen, no point getting upset over trivia.

[sealtt]

RYH64E said:

Worse things happen, no point getting upset over trivia.

Very true of course, was just a little awkward that we couldn't get out of the house!

Anyway company moved gate out of the way so we can now leave the house, and will have the repairs carried out in the new year.

[elanfan]

Long ago in an insurance company far away there used to something called an Immobile Property Sharing Agreement between insurers. It may be long gone like knock for knock and its ilk. If my memory serves me correctly that agreement meant the house insurers contributed around a third under their impact peril whilst the car insurer picked up the rest.

Long time ago may well be irrelevant now.

[S70JPS]

This has just happened to me a car has taken all my railings and pot plants out plus edging stones and a gas pipe. I've sorted the gas out and cleared the debris but really don't know what to do now. A bummer because I'm off working abroad on Monday up to Christmas. Currently on the line to the insurer (on hold) of the person that caused the accident but she hit another car which was the one that hit my house. I have no details for that driver. How do I sort this out?

[Gavia]

Ring your home insurance company and they’ll sort it all out.

[AlwynMike]

S70JPS said:

This has just happened to me a car has taken all my railings and pot plants out plus edging stones and a gas pipe. I've sorted the gas out and cleared the debris but really don't know what to do now. A bummer because I'm off working abroad on Monday up to Christmas. Currently on the line to the insurer (on hold) of the person that caused the accident but she hit another car which was the one that hit my house. I have no details for that driver. How do I sort this out?

You probably won't get anything for the plants.
My experience with insurers anyway.
Good luck with the rest!

[Snails]

AlwynMike said:

You probably won't get anything for the plants.
My experience with insurers anyway.
Good luck with the rest!

With home insurance, plants in the ground are unlikely to be covered as they often don't fall within the definition of buildings or contents.
Plants in pots are usually considered contents. Plants in pots which are kept outside will be considered under a section called 'contents in the open' or similar.

[TwigtheWonderkid]

Snails said:

AlwynMike said:

You probably won't get anything for the plants.
My experience with insurers anyway.
Good luck with the rest!

With home insurance, plants in the ground are unlikely to be covered as they often don't fall within the definition of buildings or contents.
Plants in pots are usually considered contents. Plants in pots which are kept outside will be considered under a section called 'contents in the open' or similar.

Just because something isn't covered under home insurance is nothing to do with a claim against a negligent tp. The OP might have chosen not to insure his home at all. He can still claim against the tp.