Accident

tritriagain · 17-02-2016 8:01pm #1

I was in an accident today . the other driver 100% at fault and his insurance co. Have agreed to repair car to and arrange car replacement. Got a phone call this evening telling me I have to travel to nearest city (25 miles) to collect it. This means another 1/2day to collect it after already taking this afternoon off to collect car. Can I insist on them delivering the car ?.

To Elland Back · 17-02-2016 8:54pm

tritriagain wrote: »

I was in an accident today . the other driver 100% at fault and his insurance co. Have agreed to repair car to and arrange car replacement. Got a phone call this evening telling me I have to travel to nearest city (25 miles) to collect it. This means another 1/2day to collect it after already taking this afternoon off to collect car. Can I insist on them delivering the car ?.

You should not be inconvenienced or put to any unnecessary expense if the other party is at fault. Tell them to deliver it to you or you'll be hiring your own and sending them the bill. Do not accept any guff that they won't pay you if you hire one directly. As long as it is reasonable, they have to pay

liam7831 · 17-02-2016 9:07pm

Tell them where to drop off car and insist on the same type car. I had an Insignia and someone drove into it, the insurance company arrange a Micra. I rang them up and made them take it back and bring me a similar class car. Be firm

tritriagain · 17-02-2016 9:45pm

Thanks for replies. Ye both confirmed what I thought. Will ring in morning and will let ye know outcome.

To Elland Back · 17-02-2016 9:52pm

tritriagain wrote: »

Thanks for replies. Ye both confirmed what I thought. Will ring in morning and will let ye know outcome.

If they stonewall you, PM me for the name of solicitors I recommend to clients in your position. They don't charge you a fee or take a cut of your claim, they bill the 3rd party's insurer

robtri · 17-02-2016 10:43pm

To Elland Back wrote: »

If they stonewall you, PM me for the name of solicitors I recommend to clients in your position. They don't charge you a fee or take a cut of your claim, they bill the 3rd party's insurer

really a solicitor to sort out a car pick up/drop off...... wow.... overkill

MojoMaker · 17-02-2016 10:54pm

So they've processed the claim, admitted liability, and arranged repair - all in the same day as the accident?

I want to be insured with these guys - who are they??

Atlantic Dawn · 17-02-2016 11:17pm

MojoMaker wrote: »

So they've processed the claim, admitted liability, and arranged repair - all in the same day as the accident?

I want to be insured with these guys - who are they??

Most likely they are afraid that OP will put in a personal injury claim but then have some amateur handling the claim taking the pi$$ in not sorting out the replacement car to a location near them.

To Elland Back · 18-02-2016 8:41am

robtri wrote: »

really a solicitor to sort out a car pick up/drop off...... wow.... overkill

Did I suggest suing the arse out of them? When you are dealing with a 3rd party's insurer, the process can be pretty daunting if you are not aware of your rights. The OP needed advice, so obviously falls in to the category. The solicitors I recommend (and use quite regularly for my clients) pick up the phone, remind the insurer of their obligations and get the job done. They usually get to put manners on an errant claims handler the same day.

They DON'T get involved if the client has personal injuries and wants to pursue a claim for that. They only sort out the car. They offer a service for people who aren't comfortable doing it themselves

To Elland Back · 18-02-2016 8:43am

MojoMaker wrote: »

So they've processed the claim, admitted liability, and arranged repair - all in the same day as the accident?

I want to be insured with these guys - who are they??

You want YOUR insurer to hold you liable for an accident that quickly? Do you not want them to investigate it more thoroughly?

ShiverinEskimo · 18-02-2016 9:56am

May be nothing to investigate. Could be a rear ender. Case closed.

To Elland Back · 18-02-2016 10:02am

ShiverinEskimo wrote: »

May be nothing to investigate. Could be a rear ender. Case closed.

Could be, might not be. I'd like my insurer to do a reasonable investigation. Once you agree to pay for the metal, you're open for a sore neck claim for the next 2 years. I agree that if you are in the wrong, you look after the 3rd party efficiently, so as not to antagonise them, but I'd expect a fair hearing

ShiverinEskimo · 18-02-2016 10:48am

To Elland Back wrote: »

Could be, might not be. I'd like my insurer to do a reasonable investigation. Once you agree to pay for the metal, you're open for a sore neck claim for the next 2 years. I agree that if you are in the wrong, you look after the 3rd party efficiently, so as not to antagonise them, but I'd expect a fair hearing

Well you would have been in the collision so you'd know exactly what needs to be investigated or not.

To Elland Back · 18-02-2016 12:00pm

ShiverinEskimo wrote: »

Well you would have been in the collision so you'd know exactly what needs to be investigated or not.

Exactly my point. I would want my insurer to discuss the incident with me and verify that the 3rd party's estimate is reasonable as well as confirm the number of occupants in the other vehicle. You have no idea how some insurers railroad a claim through against their own policyholder with undue haste

emeldc · 18-02-2016 1:55pm

ShiverinEskimo wrote: »

May be nothing to investigate. Could be a rear ender. Case closed.

Did you ever see the dashcam video where the car in front reverses into the car behind and tries to claim a rear-ender. Search insurance fraud

tritriagain · 18-02-2016 6:24pm

Accident involved man driving out of car park into my car without braking. All caught on CCTV. A no brainier as they say. In fairness to insurance company it was car hire company kicking up about delivering the car. Kicked up on car company this morning and got it delivered by 1 o clock. Thanks for all help.

ShiverinEskimo · 18-02-2016 6:38pm

To Elland Back wrote: »

You have no idea how some insurers railroad a claim through against their own policyholder with undue haste

Actually I have plenty of an idea thanks very much.

To Elland Back · 18-02-2016 7:17pm

tritriagain wrote:

Accident involved man driving out of car park into my car without braking. All caught on CCTV. A no brainier as they say. In fairness to insurance company it was car hire company kicking up about delivering the car. Kicked up on car company this morning and got it delivered by 1 o clock. Thanks for all help.

Curious to know but did the car hire company begin with 'E"

tritriagain · 18-02-2016 7:25pm

To Elland Back wrote: »

Curious to know but did the car hire company begin with 'E"

And ended in it

To Elland Back · 18-02-2016 7:44pm

tritriagain wrote: »

And ended in it

Had a very bad issue with them during the week, but can't go in to detail. Suffice to say that they're on my radar and I will put manners on them in due course

tritriagain · 18-02-2016 8:44pm

To Elland Back wrote: »

Had a very bad issue with them during the week, but can't go in to detail. Suffice to say that they're on my radar and I will put manners on them in due course

Yeah have to say attitude stinks. Was glad I could put them in their place today. Tried to make me feel like they were doing me a favour.

tritriagain · 22-02-2016 5:10pm

Got a phonecall today to say car quote is for 3k for third party parts and second hand parts. I have 2 questions. Firstly can I insist on new parts to be used. I know this will drive up cost significantly and the insurer may wish to write it off. Secondly if they do wish to write it off how do we agree on price. There are the same car on carzone ranging on 6k to 8k

goz83 · 22-02-2016 6:04pm

I wouldn't be happy with used parts in most cases. It would depend on what it was, but there are very few bits I would accept used, as they might not be ideal replacements. Of course, you could always check the parts for yourself if you want your car back. Otherwise, they will write it off, because the price of repair is already very close to the price of replacement.

To negotiate price, you select and print off same year, mileage and condition of your own car before it got damaged.

Aint Eazy Being Cheezy · 22-02-2016 6:14pm

I'd refuse that. Insist on a quote at least for new parts, and assuming it's a reasonable figure less than the value of the car then tell them you're refusing to have it written off.

I did this with a 99 micra I'd bought for a relative as a leaving cert present. Spent ages finding a nice, clean straight one only for someone to crash into the back of it. Needed a new back bumper, other parties insurance were looking to write it off. I firmly explained that I'd reject that offer and sue them for the repair costs, and they backed down.

I imagine this only worked because the repair and write off costs weren't miles apart, but if that sounds similar to your situation then it's worth trying.

To Elland Back · 22-02-2016 7:30pm

tritriagain wrote: »

Got a phonecall today to say car quote is for 3k for third party parts and second hand parts. I have 2 questions. Firstly can I insist on new parts to be used. I know this will drive up cost significantly and the insurer may wish to write it off. Secondly if they do wish to write it off how do we agree on price. There are the same car on carzone ranging on 6k to 8k

You're a very patient person OP. Is it a garage of your choosing that you are using or the 3rd party's approved repairer? They appear to be treating you as one of their policy holders, where terms and conditions apply. YOU hold the decision making here and insist on new parts. If it is an economic write off, you are entitled to Market Value.

Websites such as Done Deal, Carzone, Buy & Sell etc are deemed to advertise 'opening offers'. In other words, the seller is believed to be willing to accept a lower price, which becomes the market value. The true figure is what a dealer would accept as a cash only offer

tritriagain · 22-02-2016 7:34pm

Aint Eazy Being Cheezy wrote: »

I'd refuse that. Insist on a quote at least for new parts, and assuming it's a reasonable figure less than the value of the car then tell them you're refusing to have it written off.

I did this with a 99 micra I'd bought for a relative as a leaving cert present. Spent ages finding a nice, clean straight one only for someone to crash into the back of it. Needed a new back bumper, other parties insurance were looking to write it off. I firmly explained that I'd reject that offer and sue them for the repair costs, and they backed down.

I imagine this only worked because the repair and write off costs weren't miles apart, but if that sounds similar to your situation then it's worth trying.

Sorry I may have mislead ye all. As far as I know most of the parts are OEM parts( I think that's the right term) I.e they won't be official parts but will be new as such. I feel a real idiot as it's all new to me . told the repairer I would be happy with this but insurance co has to ok it with me first. I'm strongly thinking now of insisting on the proper job done. After all i did nothing wrong ( for once) it wasn't my fault

To Elland Back · 22-02-2016 7:46pm

tritriagain wrote: »

Sorry I may have mislead ye all. As far as I know most of the parts are OEM parts( I think that's the right term) I.e they won't be official parts but will be new as such. I feel a real idiot as it's all new to me . told the repairer I would be happy with this but insurance co has to ok it with me first. I'm strongly thinking now of insisting on the proper job done. After all i did nothing wrong ( for once) it wasn't my fault

Exactly and don't be hard on yourself, these lads can be persuasive

tritriagain · 22-02-2016 7:58pm

To Elland Back wrote: »

Exactly and don't be hard on yourself, these lads can be persuasive

I now feel repairer persuaded me to do job at cheaper price cos if he goes full whack afraid car will be written off and he won't get the work. Which I understand.

seagull · 23-02-2016 3:28pm

Tell them at the very least you want a quote with manufacturer's parts. Bear in mind that it's your decision where the car gets repaired. The other person's insurance company can request you use a particular repairer, but they have no control. Also ask them for compensation for the damage caused and loss of value. Typically, they offer 10% of the value of repair.

tritriagain · 24-02-2016 10:35am

Looks like car is going to be a write off. Just wondering there is 10 months tax on it can I claim this back. And any ideas how to go about it.

Aint Eazy Being Cheezy · 24-02-2016 10:52am

tritriagain wrote: »

Looks like car is going to be a write off. Just wondering there is 10 months tax on it can I claim this back. And any ideas how to go about it.

Are you happy with this? It's your car, you don't have to do as they tell you to.

tritriagain · 24-02-2016 11:34am

Well I am waiting on a pre accident value. So I won't know tilni get that. But am willing to write it off.

seagull · 24-02-2016 1:15pm

You'll probably have to push them on the value. And I hope the other party's insurance is paying for a rental while you're left without a car.

punisher5112 · 24-02-2016 1:22pm

When a car is scrapped tax can be refunded partly and also if one were to export.

boardsuser1 · 24-02-2016 1:22pm

tritriagain wrote: »

Looks like car is going to be a write off. Just wondering there is 10 months tax on it can I claim this back. And any ideas how to go about it.

this exact scenario happened me in 2007. I got the value of the tax back via the other side's insurance company combined with the pre accident value of the car. the insurers will take the car for salvage most likely or give you the option of keeping it less scrap value. say the car is worth 3000 pre accident and is worth 300 scrap. if you keep the car you get 2700. in my own case the car was worth 2700 pre accident. plus the tax which brought it up to 2900. they sourced someone to take the car for salvage who offered 300 to me so the insurance company paid me 2600 by cheque and the guy who took the car gave me 300 cash.

Atlantic Dawn · 24-02-2016 1:23pm

tritriagain wrote: »

Looks like car is going to be a write off. Just wondering there is 10 months tax on it can I claim this back. And any ideas how to go about it.

You can reclaim the tax, however that's only if the car is scrapped, if the insurer takes ownership of the car or it's sold on you will not be able to claim the refund yourself...

http://www.environ.ie/local-government/motor-tax/refunds/refunds

tritriagain · 26-02-2016 11:32am

just agreed write off value . salvage company offering 600 for car.
just wondering if i take back the car is the car written off i.e does the insurance co. write the car off or does the salvage company. i am dealing with salvage company direct. could i take it back and get it fixed up cheaply.

boardsuser1 · 26-02-2016 12:48pm

tritriagain wrote: »

just agreed write off value . salvage company offering 600 for car.
just wondering if i take back the car is the car written off i.e does the insurance co. write the car off or does the salvage company. i am dealing with salvage company direct. could i take it back and get it fixed up cheaply.

It would probably be deemed an economical write off and not structural. Is the chassis damaged? That was the case with my car. You can keep the car but won't get the €600.

tritriagain · 26-02-2016 12:51pm

but can i put the car back on the road and drive it without penalty from insurance company ( theirs or mine )

boardsuser1 · 26-02-2016 1:30pm

tritriagain wrote: »

but can i put the car back on the road and drive it without penalty from insurance company ( theirs or mine )

yep. I done it myself. once it isn't structural damage and only economically written off.

I wasn't financially penalised for it at the time but insurance companies are changing how they behave when it comes to charging customers.

what did the assessors report say on the damage OP?

what area of the car was damaged?

what was the car worth compared to the cost of the damage?

if it was worth 3k with 2k worth of damage for example is it really worth it.

To Elland Back · 26-02-2016 1:49pm

tritriagain wrote: »

but can i put the car back on the road and drive it without penalty from insurance company ( theirs or mine )

It depends on the write off category

http://www.cartell.ie/2010/02/cartell-insurance-write-off-categories/

If you retain the vehicle, it will still be logged on insurer databases as a write off. If you want to put it back on the road, you'll need an engineers report. Never worth the hassle in my experience

eurokev · 12-12-2016 8:34pm

lol, did you taste, had it been opened

Special Circumstances · 12-12-2016 8:38pm

eurokev wrote: »

lol, did you taste, had it been opened

Wat

Accident

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