Black Ice hit - car a write off - Insurance experts please
Discussion
Unfortunately last Wed I hit black ice or something similar whilst doing 70mph in my 350Z, luckily for me and my partner we escaped un hurt but the car is a write off,
They have told me they will be looking at Glasses guide as a valuation, my question about this is do they look at trade or the real world value?
I have read you should reject their first offer then provide pics of adverts of similar cars that are live to show the current value?
Anyone work in claims who can advise or any other help will be greatly appreciated.
They have told me they will be looking at Glasses guide as a valuation, my question about this is do they look at trade or the real world value?
I have read you should reject their first offer then provide pics of adverts of similar cars that are live to show the current value?
Anyone work in claims who can advise or any other help will be greatly appreciated.
Edited by m3sye on Monday 13th December 20:36
Edited by m3sye on Monday 13th December 20:37
Edited by m3sye on Monday 13th December 20:38
Sorry to hear that chap...can imagine you're not alone, given the recent weather. Take it you're OK bar a bit of injured pride???
m3sye said:
I have read you should reject their first offer then provide pics of adverts of similar cars that are live to show the current value?
Don't work in insurance, but that would be what I would do. Look at what it would cost you to replace your car with an identical one from the classifieds today. Accept they're going to knock some 'negotiation money' off the cars you provide, but if you can show them half a dozen options which are all very close in age/mileage/spec/history to your car, then you've a much better chance at persuading them than if you don't.Done, although I feel this makes it look worse?
I was doing the speed limit so not sure why it has to be shown as bang on.
And yeah only pride was hurt bar the odd black eye and stiff back/next from hitting the central reservation at 70mph...
Question is what if there is say 6 cars around one figure and one 1k lower, would they ignore my evidence? they have already told me they will be using the glass's guide but I dont have a clue what that shows for my car?
I was doing the speed limit so not sure why it has to be shown as bang on.
And yeah only pride was hurt bar the odd black eye and stiff back/next from hitting the central reservation at 70mph...
Question is what if there is say 6 cars around one figure and one 1k lower, would they ignore my evidence? they have already told me they will be using the glass's guide but I dont have a clue what that shows for my car?
yes you can and should reject the first offer, when our freelander was smashed up they seriously undervalued the car, you'll have to fight with the person on the other end of the phone, i think we said go to look on the classifieds on here/autotrader look at the cars with the same spec and similar milage for replacement cost, it was still slightly undervalued but we settled due to other more stressfull issues we had to deal with at the time.
its going to be total ball ache
its going to be total ball ache
When I got my 5er nicked I got my own glasses valuation (they'll lie to you, and won't include any of your optional extras on top), and spent their 6 week "delay" period collecting adverts for similar cars. I even got a sales invoice from a pher who was a car dealer who had sold one a couple of weeks before.
The glasses valuation was 2k lower than anything i could find.
The started by offering me 10k or something stupid, I hit straight back and eventually got 15.5k. They strung me out a whole load of lies about this and that and how they don't have to take x or y into account. Work out what price is fair and don't accept anything else.
You need the settlement to allow you to walk up to a seller with a wad of cash and to walk away with a car in a similar state. You pay the premium, and when you claim, they have to settle fairly. That's the deal.
The glasses valuation was 2k lower than anything i could find.
The started by offering me 10k or something stupid, I hit straight back and eventually got 15.5k. They strung me out a whole load of lies about this and that and how they don't have to take x or y into account. Work out what price is fair and don't accept anything else.
You need the settlement to allow you to walk up to a seller with a wad of cash and to walk away with a car in a similar state. You pay the premium, and when you claim, they have to settle fairly. That's the deal.
Edited by BMWBen on Monday 13th December 20:52
Search your local papers and the internet autotrader whatever to get a price on a similar car, year, miles etc, the more you have the better, then if they do offer low you can point out its not enough, the idea is that you should get enough to replace like for like at todays prices. I just had to do the same thing the offer was to low, I managed to get annother £350 which got it a bit more reasonable. Still a pain but if everyone walks away unhurt its a result anyway.
PHmember said:
m3sye said:
they have already told me they will be using the glass's guide but I dont have a clue what that shows for my car?
Pop down to your local trader & just ask him nicely if he'll tell you what Glasses value your car at?Edited by dave_s13 on Monday 13th December 20:59
dave_s13 said:
PHmember said:
m3sye said:
they have already told me they will be using the glass's guide but I dont have a clue what that shows for my car?
Pop down to your local trader & just ask him nicely if he'll tell you what Glasses value your car at?Edited by dave_s13 on Monday 13th December 20:57
m3sye said:
dave_s13 said:
PHmember said:
m3sye said:
they have already told me they will be using the glass's guide but I dont have a clue what that shows for my car?
Pop down to your local trader & just ask him nicely if he'll tell you what Glasses value your car at?Edited by dave_s13 on Monday 13th December 20:57
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