Vaguely Porsche related!
Discussion
I was putting my 996 up on stands and removing the road wheels yesterday afternoon, just a bit of OCD inside rims, rear box and wheel well cleaning.
When the most enormous bang ensued, and I really mean loud. No pre warning, just BANG, CRASH, WALLOP .
At first I thought the car was falling to the ground and threw myself to one side, hopefully out of harms way.
Surprised
Next second I realised that the car was totally stable and picked myself up feeling very confused. On investigation it transpired that a van had rolled all the way from the top of the hill and crashed into the garden wall alongside where I was working away. As no one was in the van there had been no engine or braking noises prior to the crash and amazingly, despite having travelled well over 150 metres and crossing onto the wrong side of the road and through a junction. Super lucky!!
Owner traced, police involved, insurance company (More Than) contacted.
Now this is where I am really at a loss. More Than are suggesting that I have to, at my own effort/cost.
a. Stabilise the wall to prevent danger of collapse.
b. Get at least 2 quotes for repair.
c. Have the wall repaired and then either get my own insurers to contact More Than or pay for it myself the claim back from them, subject to inspection.
That can't be correct, surely
Should it not be the case More Than take charge and get the repairs taken care of? They are suggesting that outside of vehicle repairs thy are not able to fix anything else. Has no one ever knocked over a set of traffic lights or a lamp standard or garden wall ever before????
Any advice on how to proceed?
When the most enormous bang ensued, and I really mean loud. No pre warning, just BANG, CRASH, WALLOP .
At first I thought the car was falling to the ground and threw myself to one side, hopefully out of harms way.
Surprised
Next second I realised that the car was totally stable and picked myself up feeling very confused. On investigation it transpired that a van had rolled all the way from the top of the hill and crashed into the garden wall alongside where I was working away. As no one was in the van there had been no engine or braking noises prior to the crash and amazingly, despite having travelled well over 150 metres and crossing onto the wrong side of the road and through a junction. Super lucky!!
Owner traced, police involved, insurance company (More Than) contacted.
Now this is where I am really at a loss. More Than are suggesting that I have to, at my own effort/cost.
a. Stabilise the wall to prevent danger of collapse.
b. Get at least 2 quotes for repair.
c. Have the wall repaired and then either get my own insurers to contact More Than or pay for it myself the claim back from them, subject to inspection.
That can't be correct, surely
Should it not be the case More Than take charge and get the repairs taken care of? They are suggesting that outside of vehicle repairs thy are not able to fix anything else. Has no one ever knocked over a set of traffic lights or a lamp standard or garden wall ever before????
Any advice on how to proceed?
The van owner (via his insurer) is liable to put you back in the position you were in before the damage was caused. That means making sure you're not out of pocket, rather than an obligation to sort out getting the work done.
Insurers will sometimes make arrangements to do the work themselves, since it allows them to limit costs. I suspect they're only geared up to deal with car repairs directly, hence telling you that you need to make your own arrangements.
Nothing out of the ordinary in that, and not a lot you can do about it, I'm afraid.
You can try speaking to your own house insurers to see whether they can assist and take up cudgels on your behalf - but expect your home insurance premium to rise on renewal as a consequence.....
Insurers will sometimes make arrangements to do the work themselves, since it allows them to limit costs. I suspect they're only geared up to deal with car repairs directly, hence telling you that you need to make your own arrangements.
Nothing out of the ordinary in that, and not a lot you can do about it, I'm afraid.
You can try speaking to your own house insurers to see whether they can assist and take up cudgels on your behalf - but expect your home insurance premium to rise on renewal as a consequence.....
Well Bert, thanks for your helpful input!
Let me put it like this..... Through absolutely no fault of my own. I am now expected to source the relevant quotes to make safe in the short term and repair in the medium term.
Then, putting aside the time and cost of doing this I have to claim my own insurance, driving the premiums up. Then wait while the works undertaken are inspected, verified, approved prior to any re-imbursement being made. Anyone who has ever had source quotes for building works in particular knows how much time and effort goes into meeting on site with prospective contractors, chasing up quotes, overseeing the job etc etc etc
My point is very simple, why wouldn't More Than ( co-incidentally my own home insurer last year) have the ability to simply take charge and get the necessary repairs done by it's own approved/vetted contractors. Seems entirely logical to me
Let me put it like this..... Through absolutely no fault of my own. I am now expected to source the relevant quotes to make safe in the short term and repair in the medium term.
Then, putting aside the time and cost of doing this I have to claim my own insurance, driving the premiums up. Then wait while the works undertaken are inspected, verified, approved prior to any re-imbursement being made. Anyone who has ever had source quotes for building works in particular knows how much time and effort goes into meeting on site with prospective contractors, chasing up quotes, overseeing the job etc etc etc
My point is very simple, why wouldn't More Than ( co-incidentally my own home insurer last year) have the ability to simply take charge and get the necessary repairs done by it's own approved/vetted contractors. Seems entirely logical to me
fairly standard - I think we are too used to the system that has grown up around dealing with car accidents...
I would assume that lamp-posts / motorway barriers etc. probably have known costs and process to deal with damage
not quite sure whether an accident management company would help
they might be able to provide a temporary wall while yours is being repaired - maybe upgrade you to one with ornate metal railings and spikes at £500 a day
but yes - it doesn't seem fair, but the law looks at the end result being fair, not necessarily the process - so as long as you end up with your wall back in one piece and not out of pocket at the end of the process there is no legal basis under which you can expect them to pick up costs directly through the process...
if you have no funds to stabilise the wall (though the porsche wheels might work?) then it would be worth notifying them that you are unable to stabilise the wall and any subsequent damage / injury will be seen as a result of this accident and would they like to mitigate their (further / increased) risk by sending in a company to stabilise it / paying the builder directly!
I would assume that lamp-posts / motorway barriers etc. probably have known costs and process to deal with damage
not quite sure whether an accident management company would help
they might be able to provide a temporary wall while yours is being repaired - maybe upgrade you to one with ornate metal railings and spikes at £500 a day
but yes - it doesn't seem fair, but the law looks at the end result being fair, not necessarily the process - so as long as you end up with your wall back in one piece and not out of pocket at the end of the process there is no legal basis under which you can expect them to pick up costs directly through the process...
if you have no funds to stabilise the wall (though the porsche wheels might work?) then it would be worth notifying them that you are unable to stabilise the wall and any subsequent damage / injury will be seen as a result of this accident and would they like to mitigate their (further / increased) risk by sending in a company to stabilise it / paying the builder directly!
give Aspray a shout
they will manage the works, tenders and bill the other side
https://aspray.com/
nationwide service
they will manage the works, tenders and bill the other side
https://aspray.com/
nationwide service
Insurancejon said:
give Aspray a shout
they will manage the works, tenders and bill the other side
https://aspray.com/
nationwide service
Don't do it!!!they will manage the works, tenders and bill the other side
https://aspray.com/
nationwide service
peterzoom said:
That can't be correct, surely
Should it not be the case More Than take charge and get the repairs taken care of? They are suggesting that outside of vehicle repairs thy are not able to fix anything else. Has no one ever knocked over a set of traffic lights or a lamp standard or garden wall ever before????
Any advice on how to proceed?
Quite correct, unfortunately sShould it not be the case More Than take charge and get the repairs taken care of? They are suggesting that outside of vehicle repairs thy are not able to fix anything else. Has no one ever knocked over a set of traffic lights or a lamp standard or garden wall ever before????
Any advice on how to proceed?
t happens.Sometime as Adults we have to deal with unexpected inconveniences!
FYI the insurer will assessing whether they will cover you for the damage, it'll come down to negligence.
If there isn't they won't be settling your costs.
guitarcarfanatic said:
Insurancejon said:
give Aspray a shout
they will manage the works, tenders and bill the other side
https://aspray.com/
nationwide service
Don't do it!!!they will manage the works, tenders and bill the other side
https://aspray.com/
nationwide service
Aspray (like most loss assessors) don't exactly have the best reputation in the marketplace. Go in with your eyes wide open and make sure they are very transparent about who is paying for their service. Normally a fee from you, plus they will push to use their own contractors so they get a healthy kick-back.
Appointing a loss assessor will almost certainly have the claim referred to counter fraud at the insurer and although the outcome won't change, it may just take a little longer to get things settled. In fairness, assessors can add value...but just be cautious before jumping in.
Appointing a loss assessor will almost certainly have the claim referred to counter fraud at the insurer and although the outcome won't change, it may just take a little longer to get things settled. In fairness, assessors can add value...but just be cautious before jumping in.
ZOLLAR said:
FYI the insurer will assessing whether they will cover you for the damage, it'll come down to negligence.
If there isn't they won't be settling your costs.
Surely the damage was caused by either negligence on the part of the insured or a vehicle fault, in which case they'll be shelling out either way?If there isn't they won't be settling your costs.
ElectricPics said:
ZOLLAR said:
FYI the insurer will assessing whether they will cover you for the damage, it'll come down to negligence.
If there isn't they won't be settling your costs.
Surely the damage was caused by either negligence on the part of the insured or a vehicle fault, in which case they'll be shelling out either way?If there isn't they won't be settling your costs.
ZOLLAR said:
ElectricPics said:
ZOLLAR said:
FYI the insurer will assessing whether they will cover you for the damage, it'll come down to negligence.
If there isn't they won't be settling your costs.
Surely the damage was caused by either negligence on the part of the insured or a vehicle fault, in which case they'll be shelling out either way?If there isn't they won't be settling your costs.
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