Advice regarding Insurance repair on Car
Discussion
Hi,
At the beginning of June i was unfortunately involved in an accident in the Caterham when in the wet i hit some diesel/ oil and lost control of the car glanced another car and end up in the inside reservation barrier. Luckily everybody was ok and everything has gone through the insurance.
Having discussed with the insurance i opted to take the car to a garage of my choice paying extra above the excess for the privilege to one of Caterham race teams as i believed the car would be completed quickly, professionally and to the highest standard and not compromise any of the car well known handling.
During the repair i have opted for a full respray however did not envisage the car being at the garage being repaired for 4 months and still not complete. I have had a number of completion dates which have been provided and missed.
The latest saga is with the alloy wheels and the unfortunate circumstance of compomotive going in to administration. The car was fitted with CXR's and one has been damaged in the accident. The garage has tried to source the wheels and found that they can no longer purchase the wheel therefore I was contacted to inform the insurance about the issue. Prior to informing the insurance company I was told by the garage the insurance company should be responsible for replacing all 4 wheels if the same design cannot be purchased which in this instance cannot.
On informing the insurance company they stated that they would need to speak to the garage to ensure the request was genuine, earlier this week i was informed by the insurance company that i would only be receiving a cash settlement for the price of one wheel. Upon hearing this news I was annoyed as i believe the car should be available to drive away from the garage when i get the call to state it is completed. Having a cash settlement would mean the car is completed only have three wheels which would not be complete and neither would having the fitted with one different wheel be acceptable.
The insurance has stated that they can only replace item that were damaged and as the other three wheels were not damaged then they could not provide a new set. They also stated that i could not be in a better position than i was previous to the accident to which i replied informing them that the 4 wheels i had requested were cheaper than those fitted, heavier than those fitted and not of a design i favored therefore did not consider being in a better position.
I asked to speak to somebody senior who had a similar response and therefore submitted an official complaint and am still awaiting a response.
Looking for advice or guidance from those that have been in a similar position am i within my rights to request a full set of wheels or am i likely to have to fork out for a new set of wheels?
Sorry for the long post.
At the beginning of June i was unfortunately involved in an accident in the Caterham when in the wet i hit some diesel/ oil and lost control of the car glanced another car and end up in the inside reservation barrier. Luckily everybody was ok and everything has gone through the insurance.
Having discussed with the insurance i opted to take the car to a garage of my choice paying extra above the excess for the privilege to one of Caterham race teams as i believed the car would be completed quickly, professionally and to the highest standard and not compromise any of the car well known handling.
During the repair i have opted for a full respray however did not envisage the car being at the garage being repaired for 4 months and still not complete. I have had a number of completion dates which have been provided and missed.
The latest saga is with the alloy wheels and the unfortunate circumstance of compomotive going in to administration. The car was fitted with CXR's and one has been damaged in the accident. The garage has tried to source the wheels and found that they can no longer purchase the wheel therefore I was contacted to inform the insurance about the issue. Prior to informing the insurance company I was told by the garage the insurance company should be responsible for replacing all 4 wheels if the same design cannot be purchased which in this instance cannot.
On informing the insurance company they stated that they would need to speak to the garage to ensure the request was genuine, earlier this week i was informed by the insurance company that i would only be receiving a cash settlement for the price of one wheel. Upon hearing this news I was annoyed as i believe the car should be available to drive away from the garage when i get the call to state it is completed. Having a cash settlement would mean the car is completed only have three wheels which would not be complete and neither would having the fitted with one different wheel be acceptable.
The insurance has stated that they can only replace item that were damaged and as the other three wheels were not damaged then they could not provide a new set. They also stated that i could not be in a better position than i was previous to the accident to which i replied informing them that the 4 wheels i had requested were cheaper than those fitted, heavier than those fitted and not of a design i favored therefore did not consider being in a better position.
I asked to speak to somebody senior who had a similar response and therefore submitted an official complaint and am still awaiting a response.
Looking for advice or guidance from those that have been in a similar position am i within my rights to request a full set of wheels or am i likely to have to fork out for a new set of wheels?
Sorry for the long post.
Ross_328i_sport said:
compomotive going in to administration.
NoooooooooooooooIt's as if millions of kit car owners suddenly cried out in terror and were suddenly silenced.
I was going to order a new set next month....where else can I buy such lovely custom-offset wheels which are so light at such a good price!!!????!?!??!
Sorry for going OT, can't offer any assistance apart from to say that's s
tty of the insurance co and I hope they see sense.You will need to read the small print of your policy. However, it seems you want four wheels of the same design (not unreasonable) so you can either hang out arguing with the insurance company until you win or lose and without use of the car or just shell out for new wheels, submit the bill to the insurance company for reimbursement and carry on arguing.
Personally, I would do the latter and, depending on the policy small print, would file a small claims court action against the insurance company if they didn't pay up in a reasonable time. They are then in the position of having to weigh up the costs of defending the action against being successful. If they feel they are on dodgy ground they may just pay up, indeed they may just pay up even if they think they have a strong case as they generally have a habit of taking such a line with normal claims.
This, of course, all depends on how determined you are to 'fight the cause'.
Personally, I would do the latter and, depending on the policy small print, would file a small claims court action against the insurance company if they didn't pay up in a reasonable time. They are then in the position of having to weigh up the costs of defending the action against being successful. If they feel they are on dodgy ground they may just pay up, indeed they may just pay up even if they think they have a strong case as they generally have a habit of taking such a line with normal claims.
This, of course, all depends on how determined you are to 'fight the cause'.
You will need to read the small print of your policy. However, it seems you want four wheels of the same design (not unreasonable) so you can either hang out arguing with the insurance company until you win or lose and without use of the car or just shell out for new wheels, submit the bill to the insurance company for reimbursement and carry on arguing.
Personally, I would do the latter and, depending on the policy small print, would file a small claims court action against the insurance company if they didn't pay up in a reasonable time. They are then in the position of having to weigh up the costs of defending the action against being successful. If they feel they are on dodgy ground they may just pay up, indeed they may just pay up even if they think they have a strong case as they generally have a habit of taking such a line with normal claims.
This, of course, all depends on how determined you are to 'fight the cause'.
Personally, I would do the latter and, depending on the policy small print, would file a small claims court action against the insurance company if they didn't pay up in a reasonable time. They are then in the position of having to weigh up the costs of defending the action against being successful. If they feel they are on dodgy ground they may just pay up, indeed they may just pay up even if they think they have a strong case as they generally have a habit of taking such a line with normal claims.
This, of course, all depends on how determined you are to 'fight the cause'.
Gassing Station | General Gassing | Top of Page | What's New | My Stuff