Car Accident & 3rd Party Insurers difficulty

BarryT2012

Hi all,

About 2 weeks ago my mother in law was involved in a accident (side impact crash). The driver of the other car admitted full liability and their respective insurance company have also agreed this.

The issue we are having is that we were in the process of trading the car in (next day we were due to pick up the new 151 car), the insurance company asked us to get estimate of damages which we did and are totaling 10K and the book value is in the region of 15k.

As you can understand we don't want the car back as it is zero value from a trade in perspective as the new garage wont touch it, the insurance company wont give any depreciation value as the merc is more than 4 years old.

The insurance company are saying that they will only pay for repairs and not write it off. Alternatively they did say that they would allow us to get it repaired ourselves and send us the cheque for repairs minus VAT which is a joke.

To add to the above after agreeing the estimate with the garage they are now saying their engineer is disputing the estimate..

My next step is to look to engage with a solicitor (recommendations welcomed) as we are left with no alternatively as we will be severely at a financial loss due to what the insurance company are advising.

Is there any hope of ensuring that the we get the outcome we require as we believe we are being treated badly. To add to this the parents in law have now no car and require this in order to get up and down to hospital to see a very sick grand daughter. (replacement car now has to go back due to dispute).

Any advice on the above? Are we wasting our time going to a solicitor?

Any help much appreciated.

Special Circumstances

Get a good solicitor with experience dealing with insurance company slime. I've never known anyone genuine to have anything but a horrific time dealing with insurance. There really must be a special circle of hell reserved for these scumbags.

bazz26

Yep, get yourself a good solicitor and tell them they will billed for his/her services also. It does sound like they are trying to bully you into accepting their terms rather than putting you back into the position you were in before their client crashed into you.

To Elland Back

PM Sent