Insurance question
Discussion
Apologies in advance this has probably been done to death.
A friend has had a minor accident she feels it wasn’t her fault she was in the centre lane at a junction / roundabout going straight on, someone on the near side lane wanted to turn right and turned into her. (Across two lanes)
This has done minor damage bumper and wing but unfortunately the door doesn’t open because the wing has pushed back slightly and overlaps.
She has spoken to the insurence who understandably won’t repair until third party admits liability, however they won’t let her pull the wing out so the door will open so she is unable to use car for an undetermined time. Am I wrong in thing that would be reasonable request if she offered to take photos before or get it examined?
Am I right in thinking that if she authorises repair and pays excess the insurance company won’t claim that back from the third party as it’s an uninsured loss?
Thoughts please?
A friend has had a minor accident she feels it wasn’t her fault she was in the centre lane at a junction / roundabout going straight on, someone on the near side lane wanted to turn right and turned into her. (Across two lanes)
This has done minor damage bumper and wing but unfortunately the door doesn’t open because the wing has pushed back slightly and overlaps.
She has spoken to the insurence who understandably won’t repair until third party admits liability, however they won’t let her pull the wing out so the door will open so she is unable to use car for an undetermined time. Am I wrong in thing that would be reasonable request if she offered to take photos before or get it examined?
Am I right in thinking that if she authorises repair and pays excess the insurance company won’t claim that back from the third party as it’s an uninsured loss?
Thoughts please?
Hi thanks for you help so far; update is the insurance is fully comp; but they are saying that she can’t get the door to open but are a bit vague why. They ha e now offered to repair under fully comp but won’t claim the excess back if she pays it. Surprisingly third party won’t answer phone to insurance company despite admitting full liability at the time
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