Rear ended-how long until Insurance pay up?

millymoo

Hi I was rear ended last week. My insurance company wanted to 'deal' with it and send car to their repair company but I was having none of it, did that before and it went as a claim against me even though I was not at fault. Apparently it goes against you if they dont recoup the funds from the other insurance co.
Anyway. I figured I better get a solicitor just incase it got messy as there were 4 cars involved. I was the front car.
As far as I know my solicitor wrote to the insurance company of the person causing the crash today, with the estimate I received to repair my car. Do they need to send out an assessor or do they just send my solicitor a cheque and I can just go and get it fixed, not impressed driving it in current condition!!:mad: and I can't afford to pay the damage repair myself.

Thanks

tommy21

millymoo wrote: »

Hi I was rear ended last week. My insurance company wanted to 'deal' with it and send car to their repair company but I was having none of it, did that before and it went as a claim against me even though I was not at fault. Apparently it goes against you if they dont recoup the funds from the other insurance co.
Anyway. I figured I better get a solicitor just incase it got messy as there were 4 cars involved. I was the front car.
As far as I know my solicitor wrote to the insurance company of the person causing the crash today, with the estimate I received to repair my car. Do they need to send out an assessor or do they just send my solicitor a cheque and I can just go and get it fixed, not impressed driving it in current condition!!:mad: and I can't afford to pay the damage repair myself.

Thanks

Not sure how this will go. Very messy! As far as I know the way it works is that the car who the guy at the back crashed into first (i.e. the third car) claims off his insurance (the 4th guy's). The 2nd car claims off the 3rd guys insurance (as it was his car that damaged the back of the 2nd car, rather than the 4th driver that caused this mess overall). I would imagine that the insurance company of the person behind you will send an assessor to look at your car first. Open to corrections.

Also - why did your insurance company offer to deal with it? If you are not at fault, then you will claim off the person at fault (directly behind you is my theory as above). Are both of you with the same insurer or something?

Also also - If the assessor writes off your car, they will send you a cheque but be careful that you get the scrapage you are also entitled to in addition to your payment. Pm me if this happens and I can explain it better. If they deem it (economically) fixable, I guess they may offer to repair it at one of their authorised mechanics or else send you the money to do it yourself.

Toots

Moved to Motors.