Help needed with insurance.. Car written off twice!
Discussion
Hi guys,
I'm in need of some advice on insurance following a crash I had yesterday. About 4 months ago I was hit from behind, my car was written off as a cat d and I was paid out £4700 I am also perusing a personal injury claim as I had limited movement and had to have several weeks off work. I bought the car back from the insurance company for £1250 and have been using it since as the damage had not affected the way in which it drove.
Fast forward to yesterday when I was standstill in traffic and again some hit me at about 20mph from behind. There is no new damage to the car (obviously I can't inspect behind the bumper) but it has made the existing damage worse. I'm in a lot of pain in my back which I think is made worse by the fact it was the second time it had happened in a short space of time.
I haven't been able to contact my insurers yet due to them being closed for Xmas, I am unsure what to do as I don't want 2 claims on my history even if they are non fault, does anyone know what happens in the event of a car being paid out for and then crashed again? Or any general advice about what I should do would be much appreciated.
Cheers
I'm in need of some advice on insurance following a crash I had yesterday. About 4 months ago I was hit from behind, my car was written off as a cat d and I was paid out £4700 I am also perusing a personal injury claim as I had limited movement and had to have several weeks off work. I bought the car back from the insurance company for £1250 and have been using it since as the damage had not affected the way in which it drove.
Fast forward to yesterday when I was standstill in traffic and again some hit me at about 20mph from behind. There is no new damage to the car (obviously I can't inspect behind the bumper) but it has made the existing damage worse. I'm in a lot of pain in my back which I think is made worse by the fact it was the second time it had happened in a short space of time.
I haven't been able to contact my insurers yet due to them being closed for Xmas, I am unsure what to do as I don't want 2 claims on my history even if they are non fault, does anyone know what happens in the event of a car being paid out for and then crashed again? Or any general advice about what I should do would be much appreciated.
Cheers
Raize said:
Are you sure you're insured at all? Most policies cancel immediately once you claimed...
That's not correct, my wife's car was written off, we gave them the details of the replacement car and the added it to the policy as though we'd done a normal change of car. We were given the option of terminating the policy but as there was a claim we'd have not received any rebate. We were told by the insurers it was most cost affective for us to keep the policy.
Mr2Mike said:
Raize said:
Are you sure you're insured at all? Most policies cancel immediately once you claimed...
Only if you claim from your own policy, not a third party.Offtopic:
Muggins provided the replacement car, and got a speeding ticket delivering it.
Dad got a cash payout (minus the aforementioned £20) from his insurer for the old car, so ended up in the black through the whole thing, with a car 17 years newer and with every toy possible (because only the top of the range version had a proper alarm, and I wasn't about to replace this one too..)
I ended up about £4K down in car, fuel and servicing (plus £60 fine and 3 points) but with a smile on my face because I was able to do something properly nice for him for once.
C
r200mgr said:
Hi guys,
I'm in need of some advice on insurance following a crash I had yesterday. About 4 months ago I was hit from behind, my car was written off as a cat d and I was paid out £4700 I am also perusing a personal injury claim as I had limited movement and had to have several weeks off work. I bought the car back from the insurance company for £1250 and have been using it since as the damage had not affected the way in which it drove.
Fast forward to yesterday when I was standstill in traffic and again some hit me at about 20mph from behind. There is no new damage to the car (obviously I can't inspect behind the bumper) but it has made the existing damage worse. I'm in a lot of pain in my back which I think is made worse by the fact it was the second time it had happened in a short space of time.
I haven't been able to contact my insurers yet due to them being closed for Xmas, I am unsure what to do as I don't want 2 claims on my history even if they are non fault, does anyone know what happens in the event of a car being paid out for and then crashed again? Or any general advice about what I should do would be much appreciated.
Cheers
Have you thought about checking that your brake lights work? I'm in need of some advice on insurance following a crash I had yesterday. About 4 months ago I was hit from behind, my car was written off as a cat d and I was paid out £4700 I am also perusing a personal injury claim as I had limited movement and had to have several weeks off work. I bought the car back from the insurance company for £1250 and have been using it since as the damage had not affected the way in which it drove.
Fast forward to yesterday when I was standstill in traffic and again some hit me at about 20mph from behind. There is no new damage to the car (obviously I can't inspect behind the bumper) but it has made the existing damage worse. I'm in a lot of pain in my back which I think is made worse by the fact it was the second time it had happened in a short space of time.
I haven't been able to contact my insurers yet due to them being closed for Xmas, I am unsure what to do as I don't want 2 claims on my history even if they are non fault, does anyone know what happens in the event of a car being paid out for and then crashed again? Or any general advice about what I should do would be much appreciated.
Cheers
Mr Wolf said:
r200mgr said:
Hi guys,
I'm in need of some advice on insurance following a crash I had yesterday. About 4 months ago I was hit from behind, my car was written off as a cat d and I was paid out £4700 I am also perusing a personal injury claim as I had limited movement and had to have several weeks off work. I bought the car back from the insurance company for £1250 and have been using it since as the damage had not affected the way in which it drove.
Fast forward to yesterday when I was standstill in traffic and again some hit me at about 20mph from behind. There is no new damage to the car (obviously I can't inspect behind the bumper) but it has made the existing damage worse. I'm in a lot of pain in my back which I think is made worse by the fact it was the second time it had happened in a short space of time.
I haven't been able to contact my insurers yet due to them being closed for Xmas, I am unsure what to do as I don't want 2 claims on my history even if they are non fault, does anyone know what happens in the event of a car being paid out for and then crashed again? Or any general advice about what I should do would be much appreciated.
Cheers
Have you thought about checking that your brake lights work? I'm in need of some advice on insurance following a crash I had yesterday. About 4 months ago I was hit from behind, my car was written off as a cat d and I was paid out £4700 I am also perusing a personal injury claim as I had limited movement and had to have several weeks off work. I bought the car back from the insurance company for £1250 and have been using it since as the damage had not affected the way in which it drove.
Fast forward to yesterday when I was standstill in traffic and again some hit me at about 20mph from behind. There is no new damage to the car (obviously I can't inspect behind the bumper) but it has made the existing damage worse. I'm in a lot of pain in my back which I think is made worse by the fact it was the second time it had happened in a short space of time.
I haven't been able to contact my insurers yet due to them being closed for Xmas, I am unsure what to do as I don't want 2 claims on my history even if they are non fault, does anyone know what happens in the event of a car being paid out for and then crashed again? Or any general advice about what I should do would be much appreciated.
Cheers
C
I also love the 'perusing a personal injury claim' - not to be a pedant but I'm sure it's auto corrected to the wrong word.
As long as you get paid out again and bag another 5-10k compo everyone's a winner.
Leave it more than a few weeks this time though cos they'll be onto you soon.
As long as you get paid out again and bag another 5-10k compo everyone's a winner.
Leave it more than a few weeks this time though cos they'll be onto you soon.
Dear r,
Bad luck but it does happen.
Mrs Noise had three rear enders (stop sniggering at the back) within a year on two different cars a few years ago. Nothing before or since in decades of driving. Fortunately they were all at low speed so no injury but a new bumper & respray at £400 or so (from the 3rd parties) a pop each time,
regards,
Jet
CraigyMc said:
I was thinking something more along the lines of "Do you habitually get in front of people then stamp on your brakes?
C
Or rescind the permission to test the JamesBond InvisicarTM rear paint finish C
Bad luck but it does happen.
Mrs Noise had three rear enders (stop sniggering at the back) within a year on two different cars a few years ago. Nothing before or since in decades of driving. Fortunately they were all at low speed so no injury but a new bumper & respray at £400 or so (from the 3rd parties) a pop each time,
regards,
Jet
Does your car have a valid MOT? I would have thought that if it was written off due to rear end damage, all the impact-absorbing structures will already be collapsed so it would not be in a safe condition to take another rear-end impact? So, all the energy of the second crash would be absorbed by your existing injuries.
garycat said:
Does your car have a valid MOT? I would have thought that if it was written off due to rear end damage, all the impact-absorbing structures will already be collapsed so it would not be in a safe condition to take another rear-end impact? So, all the energy of the second crash would be absorbed by your existing injuries.
what part of the mot checks the impact absorbing structures are in working order?Cat C total loss needs an MOT and VIC check etc. Cat D is fine to go straight back on the road.
with regards to insurance, it will be valued at what you were paid out last time unless you can prove it was repaired. if it was all fixed up it will be valued typically at 90% of the value of a non Cat D vehicle in the same condition
with regards to insurance, it will be valued at what you were paid out last time unless you can prove it was repaired. if it was all fixed up it will be valued typically at 90% of the value of a non Cat D vehicle in the same condition
Gassing Station | General Gassing | Top of Page | What's New | My Stuff