Insurance claim procedure - Car write off

Cara10

I was involved in a car accident (other party at fault) recently and my car was deemed a Category C Write off. I have been told by the other party's insurance that in order for them to issue me a cheque for the car, I have to post the log book to them first and then they will pick up the car and then issue the cheque. I'm a bit wary of doing this as I have nothing in writing and was basically told that's the procedure take it or leave it. Is this normal procedure?
I've never had a claim before and had no liability in this accident. I feel I am being treated in quite a hostile manner by the insurance company so I'm just wondering if this is standard procedure to get a cheque when a car is a write off.

Liam McPoyle

Cara10 wrote: »

I was involved in a car accident (other party at fault) recently and my car was deemed a Category C Write off. I have been told by the other party's insurance that in order for them to issue me a cheque for the car, I have to post the log book to them first and then they will pick up the car and then issue the cheque. I'm a bit wary of doing this as I have nothing in writing and was basically told that's the procedure take it or leave it. Is this normal procedure?
I've never had a claim before and had no liability in this accident. I feel I am being treated in quite a hostile manner by the insurance company so I'm just wondering if this is standard procedure to get a cheque when a car is a write off.

They are asking for the log book to prove you own the car, requesting the log book would pretty much be standard procedure for any kind of write off.

Why are you wary of it?

Just take copies before sending it.

bazz26

If they are paying out on their value of your car then the car becomes their property so that maybe why they want the logbook as well as proving you own the car. I think that breaks down into it costs the insurance company their market value of the car less it's scrap value which is how much a scrap dealer buys it from them for. You get a cheque for the total amount.

Cara10

Hi - that makes sense. I will take copies before I send it. I was just a bit afraid of sending it with nothing agreed in writing so I thought I'd just check here that it is the normal process. Thanks

2Mad2BeMad

Photo copy the log book, keep all/any written emails/letters from the insurance company and post away.

Its an insurance company they do these types of things on a daily bases, you have nothing to worry about. They can't just rob your car and say they own it even with the log book in their possession.

You'll get your chickens neck .

Liam McPoyle

2Mad2BeMad wrote: »

You'll get your chickens neck .

Allinall

Saul T Nutzz wrote: »

It's rhyming slang for a Gregory Peck.

9935452

Cara10 wrote: »

I was involved in a car accident (other party at fault) recently and my car was deemed a Category C Write off. I have been told by the other party's insurance that in order for them to issue me a cheque for the car, I have to post the log book to them first and then they will pick up the car and then issue the cheque. I'm a bit wary of doing this as I have nothing in writing and was basically told that's the procedure take it or leave it. Is this normal procedure?
I've never had a claim before and had no liability in this accident. I feel I am being treated in quite a hostile manner by the insurance company so I'm just wondering if this is standard procedure to get a cheque when a car is a write off.

I was in the exact same situation a year and a half back.
they sent out an ascessor who said the car was a write off.
The insurance company came back to me over the phone to tell me that, and agreed a value on it. They sent a letter out saying the same.
The letter also said if i agreed with the value , then send back the logbook signed and keys and they would issue a check and collect the car

XR3i

Cara10 wrote: »

I was involved in a car accident (other party at fault) recently and my car was deemed a Category C Write off. I have been told by the other party's insurance that in order for them to issue me a cheque for the car, I have to post the log book to them first and then they will pick up the car and then issue the cheque. I'm a bit wary of doing this as I have nothing in writing and was basically told that's the procedure take it or leave it. Is this normal procedure?
I've never had a claim before and had no liability in this accident. I feel I am being treated in quite a hostile manner by the insurance company so I'm just wondering if this is standard procedure to get a cheque when a car is a write off.

they are low-balling you (trying to get rid of you for minimum cost)

take your time and get as much advice

if they harass you again tell them they need to contact your lawyer

Atlantic Dawn

Are you happy with the amount they are offering for your car? If not don't send any logbook anywhere until you are. I presume you have compared the price they are offering with similar cars on the market.

coylemj

Cara10 wrote: »

I feel I am being treated in quite a hostile manner by the insurance company so I'm just wondering if this is standard procedure to get a cheque when a car is a write off.

'Adversarial' rather than 'hostile' is probably the best term to describe the situation - they want to pay you as little as possible and you want the maximum possible - nothing personal you understand

Are you happy with the amount they are offering? The answer in the case of a write-off is usually 'no' because most people have an inflated view of the worth of their car. If you are prepared to accept their offer then just send them the registration cert and arrange for them to pick it up.

To Elland Back

Jeez, conspiracy theorists everywhere. When an insurer writes off a vehicle and pays you the full market value, they take ownership of the vehicle. They will have agreed a salvage price with a yard, who will require the log book.

For a Cat C, you can retain the salvage, hold on to the log book and get paid the net price by the insurer. Your call

Liam McPoyle

Allinall wrote: »

It's rhyming slang for a Gregory Peck.

To Elland Back

Saul T Nutzz wrote: »

A chicken's neck & a Gregory Peck are rhyming slang for personalised paper based electronic fund transfer

Cara10

I am happy enough with the amount offered. I should be able to replace the car with similar based on prices on donedeal etc. I'm not looking to profit from the accident, just get back on the road with no cost to myself. Thinking about it afterwards - I'd say he was just trying to get me off the phone before I asked for a replacement car or something ( I have a lend of a car so once it gets sorted soon, I'm not too worried).

I wasn't expecting his tone however - I hung up the phone feeling like I had done something wrong. I'll send off the log book tomorrow and hopefully that will be it sorted.

Liam McPoyle

To Elland Back wrote: »

A chicken's neck & a Gregory Peck are rhyming slang for personalised paper based electronic fund transfer

Ahhh, I see.

My Cockney rhyming slang isnt the best!

To Elland Back

Saul T Nutzz wrote: »

Ahhh, I see.

My Cockney rhyming slang isnt the best!

Cheque

Allinall

Saul T Nutzz wrote: »

Ahhh, I see.

My Cockney rhyming slang isnt the best!

You mean it's not the May West -:)