Advice after accident
Discussion
A very apologetic gentleman wrote his Renault Laguna off on Sunday, using the back of my 911. I'm speaking to my insurance company and broker (A-Plan) who are very bullish about getting me a rental car, following up with a legal claim for decrease in value of the vehicle, etc., etc. In fact, they are being pushy enough that I'm wondering if they're acting in my best interests. Does anyone have any views?
Geneve said:
Check out www.helphire.co.uk
I think Performance Car Hire are involved. Not sure I want/need a hire car, though, it's only a weekend car.Try the following.... adccident management consultants who deal with accident damage where no fault can be attributed to you. They have sorted out a few mates with like-for-like loan cars.
The chap also posts on here as anniesdad
http://www.europaconsultants.co.uk/
The chap also posts on here as anniesdad
http://www.europaconsultants.co.uk/
Telephone the accident exchange. They gave me an M3 while the M5 was being looked at. Very very professional and seemed to have the means for depreciation claims after accident repair too.
If your insurance aren't helping you, it's a shame because it'll end up costing the 3rd party's insurer (and therefore all of us) more but at the end of the day if Stevie Wonder hadn't smacked you up everyone would be happy...
SM
If your insurance aren't helping you, it's a shame because it'll end up costing the 3rd party's insurer (and therefore all of us) more but at the end of the day if Stevie Wonder hadn't smacked you up everyone would be happy...
SM
supermono said:
Telephone the accident exchange. They gave me an M3 while the M5 was being looked at. Very very professional and seemed to have the means for depreciation claims after accident repair too.
If your insurance aren't helping you, it's a shame because it'll end up costing the 3rd party's insurer (and therefore all of us) more but at the end of the day if Stevie Wonder hadn't smacked you up everyone would be happy...
SM
I'm actually having the opposite problem! Everybody's so keen to help that they're falling over themselves to give me replacement cars, legal cases, etc. If your insurance aren't helping you, it's a shame because it'll end up costing the 3rd party's insurer (and therefore all of us) more but at the end of the day if Stevie Wonder hadn't smacked you up everyone would be happy...
SM
Really I want the thing written off.
Just spoken to somebody involved with the claim, and he's suggesting that there's no opportunity for me to claim for any loss in value of the car because of the accident (repair work notwithstanding, obviously). Someone else at the legal company says the opposite!
Question: if you drove a front-engined car into another car at 20mph, would you expect it to be a write-off?
Question: if you drove a front-engined car into another car at 20mph, would you expect it to be a write-off?
mikeg996 said:
I'm actually having the opposite problem! Everybody's so keen to help that they're falling over themselves to give me replacement cars, legal cases, etc.
Really I want the thing written off.
A lot of those outfits earn a tidy percentage cut on everything they're able to get for you hence they're quite willing to be helpful. While I certainly don't think you should be out of pocket for something that wasn't your fault don't let them get too carried away; their revenue and profit are ultimately paid for by the motoring public. TNSTAAFLReally I want the thing written off.
mikeg996 said:
Just spoken to somebody involved with the claim, and he's suggesting that there's no opportunity for me to claim for any loss in value of the car because of the accident (repair work notwithstanding, obviously). Someone else at the legal company says the opposite!
Question: if you drove a front-engined car into another car at 20mph, would you expect it to be a write-off?
Call Anniesdad (steve) at Europa Consultants on 0161 447 8986, he'll be able to give you sound adviceQuestion: if you drove a front-engined car into another car at 20mph, would you expect it to be a write-off?
I doubt they will write it off if the accident was only at 20mph. Has it pushed everything up against the engine? Which looked worse the Renault or your Porsche?
The trouble is that (as I am sure you are thinking) your car has been in a shunt. If a buyer asks you if it has ever had a shunt you have to say yes and as there are plenty of good cars around he will probably go elsewhere, and you will have to drop the price of yours to sell it. Will the insurance company reimburse you for the reduced value of your vehicle, I think not.
Sometimes life sucks
The trouble is that (as I am sure you are thinking) your car has been in a shunt. If a buyer asks you if it has ever had a shunt you have to say yes and as there are plenty of good cars around he will probably go elsewhere, and you will have to drop the price of yours to sell it. Will the insurance company reimburse you for the reduced value of your vehicle, I think not.
Sometimes life sucks
Storer said:
I doubt they will write it off if the accident was only at 20mph. Has it pushed everything up against the engine? Which looked worse the Renault or your Porsche?
The trouble is that (as I am sure you are thinking) your car has been in a shunt. If a buyer asks you if it has ever had a shunt you have to say yes and as there are plenty of good cars around he will probably go elsewhere, and you will have to drop the price of yours to sell it. Will the insurance company reimburse you for the reduced value of your vehicle, I think not.
Sometimes life sucks
the final point you make is a legitimate legal head of claim in negligence cases called Dimminution and allows for someone to claim for the drop in value of a car based upon the circumstances you describe.The trouble is that (as I am sure you are thinking) your car has been in a shunt. If a buyer asks you if it has ever had a shunt you have to say yes and as there are plenty of good cars around he will probably go elsewhere, and you will have to drop the price of yours to sell it. Will the insurance company reimburse you for the reduced value of your vehicle, I think not.
Sometimes life sucks
a court will always look at such matters in black and white terms - two identical cars for sale. same price, mileage, specification.
one has been involved in an accident, the other hasnt - which one will a prospective purchaser go for?
whilst this is a legitimate head of damage actually quantifying the loss is a little more difficult.
supermono said:
Telephone the accident exchange. They gave me an M3 while the M5 was being looked at. Very very professional and seemed to have the means for depreciation claims after accident repair too.
If your insurance aren't helping you, it's a shame because it'll end up costing the 3rd party's insurer (and therefore all of us) more but at the end of the day if Stevie Wonder hadn't smacked you up everyone would be happy...
SM
Two weeks ago I was parked outside a customers house when one of his neighbours reversed into my car. Not major damage and car was still roadworthy. Accident exchange delivered a car to my office and took my car to be repaired. Very little effort on my part but the fact that the other guy admitted liability to the insurance company might have eased things in my favour. Upon delivery the car had 160 miles on the clock and is higher spec and bigger engine than my car. My work car is an Audi A4 2.5 Tdi Quattro saloon. The car suplied is an Audi A4 2.7 Tdi S line with a very high spec. No rush to get mine back, take all the time you like...If your insurance aren't helping you, it's a shame because it'll end up costing the 3rd party's insurer (and therefore all of us) more but at the end of the day if Stevie Wonder hadn't smacked you up everyone would be happy...
SM
SidewaysSid said:
supermono said:
Telephone the accident exchange. They gave me an M3 while the M5 was being looked at. Very very professional and seemed to have the means for depreciation claims after accident repair too.
If your insurance aren't helping you, it's a shame because it'll end up costing the 3rd party's insurer (and therefore all of us) more but at the end of the day if Stevie Wonder hadn't smacked you up everyone would be happy...
SM
Two weeks ago I was parked outside a customers house when one of his neighbours reversed into my car. Not major damage and car was still roadworthy. Accident exchange delivered a car to my office and took my car to be repaired. Very little effort on my part but the fact that the other guy admitted liability to the insurance company might have eased things in my favour. Upon delivery the car had 160 miles on the clock and is higher spec and bigger engine than my car. My work car is an Audi A4 2.5 Tdi Quattro saloon. The car suplied is an Audi A4 2.7 Tdi S line with a very high spec. No rush to get mine back, take all the time you like...If your insurance aren't helping you, it's a shame because it'll end up costing the 3rd party's insurer (and therefore all of us) more but at the end of the day if Stevie Wonder hadn't smacked you up everyone would be happy...
SM
no problem you say. until we all moan when insurance premiums go up
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