Garage destroyed car!

[ALawson]

Thanks,

They will put her premium up though!

[Deva Link]

ALawson said:

Thanks,

They will put her premium up though!

Not necessarily, and, as I mentioned earlier, she is legally (by her contract with the insurance company) bound to tell them anyway.

[ALawson]

Deva Link said:

ALawson said:

Thanks,

They will put her premium up though!

Not necessarily, and, as I mentioned earlier, she is legally (by her contract with the insurance company) bound to tell them anyway.

Unless she sold the car to them before the accident......(I will stop now), if they found out she would have her insurance cancelled and would have to declare it in future which would be even more expensive.

[Du1point8]

ALawson said:

Deva Link said:

ALawson said:

Thanks,

They will put her premium up though!

Not necessarily, and, as I mentioned earlier, she is legally (by her contract with the insurance company) bound to tell them anyway.

Unless she sold the car to them before the accident......(I will stop now), if they found out she would have her insurance cancelled and would have to declare it in future which would be even more expensive.

So what you are saying is she should do some fraud???

Well done on that advice.

She should tell the insurance company, also ask to look at the car and get a 2nd opinion with her own mechanic at their expense.

Contact Anniesdad and talk with him and get him to deal with the garage insurance.

Find out what her insurance company says when dealing with above PHer...

Deal with it from there.

[Ash333]

Get a quote from a bodyshop to repair the car. This figure is what you should demand from the garage, and not a penny less. It does not matter that this may be more than the car is worth; you should be put back into the same position you started in.

[Jimbo_vx]

its a lot easier than any of this.

She doesn't need to tell insurance company, because SHE has never had an accident.

Pick a number you think is fair, go back to the garage if they don't accept it, see them in the small courts

[skodamanpat]

Out of interest, how much where the repairs about to cost your mother when she took it to the garage in the first place??

If it needed a few hundred knicker spending on it then £500 is a very fair price, the ones you see for sale in Auto trader etc we have to presume aren't in requirement of garage services, and there will of course be haggle money in there.

[Compo_Simmonite]

skodamanpat said:

Out of interest, how much where the repairs about to cost your mother when she took it to the garage in the first place??

If it needed a few hundred knicker spending on it then £500 is a very fair price, the ones you see for sale in Auto trader etc we have to presume aren't in requirement of garage services, and there will of course be haggle money in there.

Valid point.

Paul H

[djt100]

Quote this to them, it what your covered for, I've just been through an inc claim whereby they were being silly with offers, and i send them this andother info, this week after 2 weeks arguing they paid up.

Insurance cover, under circumstances where the vehicle is declared a write off as it is beyond Economical repair should provide cover for the Market Value of the Vehicle. The Financial Ombudsman Website defines this as and I quote "The market value is the likely cost to the customer of buying a car as near as possibly identical to the one that has been stolen or damaged beyond economic repair" it also states that the principle of indemnity also applies here in that “Financial compensation sufficient to place the Insured in the same financial position at the time of a loss, as he was enjoying immediately prior to the loss"


Also the garage will have to reimberse you for additional costs, so just tell them your going to make a claim on your insurance against them or there driver and let the insurance co's deal with it.