View Full Version : accident
just been rear ended , sally is hurt :o
looks like a write off :(
spiderpig37
15-08-2011, 12:45
As long as every body is ok bits of metal can be replaced but all the same bummer:(
Andy
hope all are ok anf unhurt
paulp
briggie post some pics m8 we can assess the damage and see if its repairable
bloody hell Peter I was only speaking to you an hour ago. Hope you and Sheila are ok.
cant be a write off, surely??
hope everything is ok
they usually write them off as it's not worth fixing
My heart goes out to you, the most important part is people, and as long as they are ok
However as much as metal can be replaced, it still hurts inside, I would be gutted if anything happened to my Mav, it's now part of the family. 16 + years.
I would certainly be stressed, and no money replaces what you have known for so long.
I drive mine with the knowledge that even a dented door or wing would write it off, the trade value would not replace it with a vehicle in the same pristine condition as mine.
To get a car that was as reliable as mine I would probably have to spend £10,000 +
I know you have spent a lot of time and stress on Sally, just when you get it right "this" happens ( "This" is an anagram of Sh*t)....:confused:
If the damage is small, it might be possible to buy it off the insurance and get the parts replaced by spares that are easily available from members on this site..
best wishes,
Rustic.
As long as everyone is ok that is the main thing.Best wishes and I hope Sally is repairable.
I hope sally is the truck, and not your other half.
Im sure "WE CAN REBUILD HER" so us some pics to see.
Dynamics
15-08-2011, 21:07
I hope sally is the truck, and not your other half.
Yes, same here. I hope Sally is a pet name for your truck, and not the Missus!
yep sally is his truck, pete m8 as i said earlier post some pics i'm sure the club can get the parts needed to fix her, the main thing is you're ok sally can be fixed m8
harlowmaverick
15-08-2011, 22:23
sorry to hear of this sad news, hopefully you and your better half are well.
Rick told me, he also mentioned your arm, hope you got your arse
into gear and got to a+e pronto.
solarman216
15-08-2011, 22:39
Just spoke to Pete on the phone, he has hurt his hand quite badly and Sheila has whiplash, they have only just returned from the hospital, Sally is almost certainly a write-off, insurance co have given him a Galaxy, should be able get his chair in the back of that, but did not ask him, Rick
thanks , folks sorry its taking a long time to type but im using my weak hand i( left )
sheila is quite badly hurt and is in a lot of pain despite medication .
my arm/hand is badly , so is my shoulder ( due to seatbelt )
it looks likesally is going to be wrote off , im gutted
sorry to hear the bad news pete, with your first message i assumed that you and sheila were both unharmed, if you need anything and we can help i'm sure you know the club will be there for you, for now you and sheila get plenty off rest and get better, try not to worry about sally as getting your selves better is far more important right now.
well wishes
steve
of course the hand / arm i hurt is my " good one " the one not affected by my last stroke , so its kinda more of a injury to me if that makes sense because i use that arm/hand to hold my stick / control my wheelchair , which i cant at the mo .
insurance company coming tomorrow to take sally away to assess her
they gave me the option of a auto gaylander , or a auto galaxy ghia ( guess which one i chose lol )
what exactly hit you m8 to cause injuries and damage? after all our trucks aren't the smallest things on the road
solarman216
15-08-2011, 23:32
As Pete has gone, I will answer for him, from what he told me earlier, apparently Pete was stopped at lights and a brand new motability car hit him at speed (40 mph) the elderly driver hit the throttle instead of the brake, admitted in front of the police driver that was on the scene as he was following, pushed Pete forward 15 plus feet, I guess Pete had his hand on the wheel which probably tuned into his hand, and seat belt damage to his shoulder says enough, damn unlucky I call that, Rick
yes very lucky, steering wheels can snap wrists when the contort, from what i know of pete though he will come through this and be fine and if as you said he buys sally back of insurance company he can get her back on the road.
I was in contact with Peter yesterday also, I just hope Sheila and Pete get better very soon. I know how this sounds, but they ought to consider insurance claims asap including for their injuries, but thats up to them.
Choice of car are a little strange, whats with the Freelander?? Although, the newer ones are pretty good, so i'd certainly consider a newer model. As for the Galaxy, well, thats a bloody good car just not so good when it comes to repairing them if I remember correctly!
Personally, i would always go with a 4x4 if its part of the choice. Freelanders are a bit shit, but the newer ones are much improved on the older late 90's early 2000 models....
get well soon Peter, if I can do anything, please let me know and I will pop over.
just been out to have a close look at sally , she doesnt look all that bad on first sight , bumper is damaged as is lights obviously , rear door wont open and looks like its bent upwards ,door behind drivers door is hard to open and makes a horrible noise when opened ,drivers door has dropped a bit too ,spare wheel cover and spare wheel is dented , because it looks like the car that hit me went under the bumper and lifted me up before pushing me, i suspect that the damage may not be obvious on first inspection and probably is a lot worse than it appears due to him going under my car .
my spare wheel broke his windscreen to give you a idea :eek:
incidently it was a peugot 207 sw saloon that hit me , and that was totally wrecked
96terrano
16-08-2011, 10:59
just been out to have a close look at sally , she doesnt look all that bad on first sight , bumper is damaged as is lights obviously , rear door wont open and looks like its bent upwards ,door behind drivers door is hard to open and makes a horrible noise when opened ,drivers door has dropped a bit too ,spare wheel cover and spare wheel is dented , because it looks like the car that hit me went under the bumper and lifted me up before pushing me, i suspect that the damage may not be obvious on first inspection and probably is a lot worse than it appears due to him going under my car .
my spare wheel broke his windscreen to give you a idea :eek:
incidently it was a peugot 207 sw saloon that hit me , and that was totally wrecked
Just been Reading all the posts and I feel sorry for you mate:( Ive got a few terrano parts if needed:)
Just been Reading all the posts and I feel sorry for you mate:( Ive got a few terrano parts if needed:)
i think the damage is structural mate but we will wait and see , the insurance assessor is picking her up later today to examine , but i suspect its a foregone conclusion :(
been looking on the bay m8 probably last thing on your mind but found a couple that look decent, maybe take someone with you this time to look over it with you.
http://www.ebay.co.uk/itm/Nissan-Mistral-4x4-7-seater-/140588971914?pt=Automobiles_UK&hash=item20bbc1778a
http://www.ebay.co.uk/itm/NISSAN-TERRANO-MISTRAL-2-7-DIESEL-AUTO-7-SEATER-4X4-/160637933592?pt=Automobiles_UK&hash=item2566c45818
lacroupade
16-08-2011, 12:15
Well that sucks, but as said, only metal.
If its any consolation, sounds like both of you should be in for a bit of compo so you can at least buy something a bit better next time, don't jump into buying another Mistral FFS.
makeitfit
16-08-2011, 12:54
Well that sucks, but as said, only metal.
If its any consolation, sounds like both of you should be in for a bit of compo so you can at least buy something a bit better next time, don't jump into buying another Mistral FFS.
What he said :D
Although I think the claim culture is killing us all slowly, it is there at the mo :sly
So make sure you do get all that lovley legit injury compo :naughty
Get well soon :thumbs
What he said :D
Although I think the claim culture is killing us all slowly, it is there at the mo :sly
So make sure you do get all that lovley legit injury compo :naughty
Get well soon :thumbs
agreed, but its like anything else, its there, they might as well use it.
the damage does sound structural, I suspect the main sills are bent or the chassis is twisted a bit....
lacroupade
16-08-2011, 13:02
agreed, but its like anything else, its there, they might as well use it.
the damage does sound structural, I suspect the main sills are bent or the chassis is twisted a bit....
Agree on the claim culture but in a case like this sounds 100% legit so go for it.
Even if it wasn't structural its a £1000 import truck.....a hire car and a new bumper (and they'd probably wait 6-8 weeks for a new one from Holland) + paint would put it into write off on their own.
makeitfit
16-08-2011, 13:03
I had mine written off last year after a particularly erm heavy landing :augie
Bought it back off the ins co. and fixed it up ish :D
I spoke to a few guys at the time about the bent chassis and it's stupid money to straighten them, let alone the panel work. So there's no doubt it's shafted mate :(
However that's not to say bin it, as you can buy it back from the ins and then break it for spares and make a tidy profit there too :sly
Should cost you about 15 - 20% to buy it back:naughty
Not to pee on any one parade, but when i had an accident and had a claim for injuries, it took 18 months to sort out. Hospital after hospital visit so the other insurance where sure i was not scamming them.
I still have a clicking in my neck when i turn my head, their doctor said it could be my "Party trick" :doh
lacroupade
16-08-2011, 14:14
Not to pee on any one parade, but when i had an accident and had a claim for injuries, it took 18 months to sort out. Hospital after hospital visit so the other insurance where sure i was not scamming them.
I still have a clicking in my neck when i turn my head, their doctor said it could be my "Party trick" :doh
You're right....the insurers are stamping on this bigtime, I've even read that they are starting to use some special software that they input all the accident parameters to and it determines the actual likelihood of an occupant having suffered whiplash, as well as the voice recognition software they already use to detect bullshitting claimants on the phone...and about bloody time too.
All depends who the insurer is I think as to how long it will take, but given age and infirmity in this instance, the odds are more in their favour than if it were a younger couple.
Its time these stupid older drivers were tested before licence renewal. I had a brand new car written off a year or two ago by some old f*ckwit who fell asleep in his car on a two mile journey from town, and drove into my parked car at 60mph, totalling it. He was 84 years old and could barely stand up (nothing to do with the accident because of the way he hit my car)....in fact I called the police as I thought he was pissed but his son turned up and said he'd been like that for years and the family had been trying to stop him driving....:doh:doh
Its time these stupid older drivers were tested before licence renewal. I had a brand new car written off a year or two ago by some old f*ckwit who fell asleep in his car on a two mile journey from town, and drove into my parked car at 60mph, totalling it. He was 84 years old and could barely stand up (nothing to do with the accident because of the way he hit my car)....in fact I called the police as I thought he was pissed but his son turned up and said he'd been like that for years and the family had been trying to stop him driving....:doh:doh
Crikey that's a rather scathing assesment of our senior citizens. There a plenty of F*ckwits under the age of 84, who also shouldn't be driving. Likelyhood is that they never had bail europe out of the hands of the third Reich either.
Alan
zippy656
16-08-2011, 17:11
where are the pics briggie??
whats teh insurance man say? any news there??
I agree in part, i think after 60 you should have a medical to ensure your still fit to drive, then one at 65 and so on.
LGV drivers have to have one at 45 (I think, iv not had mine yet) to make sure we are safe and before you say it, yes we have bigger trucks. But a Fiesta hitting you at 40 mph could kill you.:thumbs
didnt really have any chance to take any decent piccies , the insurance company came to take sally away for a " assessment " , the guy said if it is structural/chassis damage its highly unlikely they will allow me to have the car back .
dont laff , but i was welling up as the transporter drove away with sally on the back of it .
thanks everyone for the good wishes and comments , im bruised and n battered a bit , but sheila is worse , even though she insisted on going to work :rolleyes:, she can hardly walk ffs :rolleyes:
but thats sheila for you , ask anyone whos met her lol
lacroupade
16-08-2011, 18:34
Crikey that's a rather scathing assesment of our senior citizens. There a plenty of F*ckwits under the age of 84, who also shouldn't be driving. Likelyhood is that they never had bail europe out of the hands of the third Reich either.
Alan
Come and tell me that again when one of them runs over one of your children.
Licence renewal at 70 years of age without a medical is lunacy. You can't fly a light aircraft like that so why should you be able to pilot a ton of metal around at 70mph without hindrance?????
Come and tell me that again when one of them runs over one of your children.
Licence renewal at 70 years of age without a medical is lunacy. You can't fly a light aircraft like that so why should you be able to pilot a ton of metal around at 70mph without hindrance?????
this is a fair point, and at the end of the day, if a 70 odd year old is capable of driving, then they will pass.
Deleted account DD
16-08-2011, 21:53
You're right....the insurers are stamping on this bigtime, I've even read that they are starting to use some special software that they input all the accident parameters to and it determines the actual likelihood of an occupant having suffered whiplash, as well as the voice recognition software they already use to detect bullshitting claimants on the phone...and about bloody time too.
still comes down to an assesor taking a look at the end of the day. Took 14 months for them to settle my claim for that silly cow running into me. At first they claimed low speed shunt, air bags not deployed = not enough to hurt him. In the end the solicitors invited them to check out the damaged parts the repairer had kept , they looked at them and settled a week later :lol:lol:lol:lol
as far as tests go, compulsory test every ten years for everyone. Not to be treat as a cash cow by vosa but definitely a good scheme :thumb2
as far as tests go, compulsory test every ten years for everyone. Not to be treat as a cash cow by vosa but definitely a good scheme :thumb2
I agree, we check our cars every year, why not the drivers.
Also re test if the driver has 6 points, or causes an accident.
May be cheaper insurance as an incentive for those who have a more recent test.
But we would have to follow what Europe tells us. :bow
just had a phone call from the people who are examining my car .
they are going to repair it !!:eek:
new bumper /bumper supports/lights/sparewheel bracket and cover
theyve checked the alignment and its perfect :eek:
the guy couldnt believe it had been hit at speed , he said its in very very good condition for its age .
chassis is not damaged
rear diff is ok
they are also going to adjust the drivers door as it has dropped on its supports due to the impact , but is not damaged :clap
sally lives again !!!!!!!:thumb2:clap:clap:clap:bow:bow:bow
he reckons it will be the end of next week when i get her back :naughty
he also said they are not allowed to fit used parts , so how and where are they sourcing a new bumper /parts from ?:nenau
must admit im shocked , didnt think they would repair her , must be costing more than the cars worth , plus consider the cost of 2 weeks car hire too
lacroupade
17-08-2011, 10:59
he also said they are not allowed to fit used parts , so how and where are they sourcing a new bumper /parts from ?:nenau
I seriously doubt they will....but even if they do it will be special order from Nissan and on current performance take around six weeks to ship from somewhere in Europe (Amsterdam I think). The guy at Nissan 1st said he regularly has people coming to him for parts they can't get new until October!!!
I'm stunned frankly.....the damage is clearly minimal but with new bits, any delay getting parts puts car hire up significantly, so I wouldn't count your chickens just yet.....the assessor sounds like a bit of a plonker TBH.
Since you have a no-fault claim either way, why not persuade him to write it off, get the payout, buy the truck back cheap and fix it with s/h parts and keep the change?
lacroupade
17-08-2011, 11:01
must admit im shocked , didnt think they would repair her , must be costing more than the cars worth , plus consider the cost of 2 weeks car hire too
They simply wouldn't if they believed that to be the case.....I forget the exact figures but if repair + hire is more than about 80% of market value they normally write it off as they get more than 20% just for the wreckage.
I seriously doubt they will....but even if they do it will be special order from Nissan and on current performance take around six weeks to ship from somewhere in Europe (Amsterdam I think). The guy at Nissan 1st said he regularly has people coming to him for parts they can't get new until October!!!
I'm stunned frankly.....the damage is clearly minimal but with new bits, any delay getting parts puts car hire up significantly, so I wouldn't count your chickens just yet.....the assessor sounds like a bit of a plonker TBH.
Since you have a no-fault claim either way, why not persuade him to write it off, get the payout, buy the truck back cheap and fix it with s/h parts and keep the change?
I agree. I am surprised that they are doing a repair + hire car. I would have thoguth the cost of the bumper alone, would be well into the hundreds. I also agree it might be worth asking the to write it off...maybe...
lacroupade
17-08-2011, 13:04
....and if the spare wheel bracket needs replacing the back door WILL be caved in, no question.
This is all very odd........:confused:
thanks for the replies , im with direct line , and a company called uk assistance are their reccomended repairer nearest to me .
the guy who rang was from uk assistance
but perhaps the insurance companies own assesor hasnt looked at it yet, i dunno
as for timescale , he said it would be the end of next week when i got it back... where the flek are they gonna source a new bumper /parts from, and fit /paint them in that timescale ????
sounds a bit strange to me , might ring the insurance company ....... what do you think ?
jims-terrano
17-08-2011, 16:56
Hi Pete sorry to hear of these problems. Just be cautious about these companies. I had same two repair the Scenic after someone ran into the side of me.
First of all loading on to truck he didn't take parking brake off so just dragged it up ramp and told me my rear wheels were sticking.
Delivered back on a Saturday, I stayed in all day and nothing!. Then knock on door about half nine at night, someone we just happen to know who lives at same house number and nearly same street name just drive instead of avenue. She said are these your key's? your cars on our drive and we've been out all day and the keys were stuck through letter box. Over spray everywhere, panels wrong colour and all the windows going up and down on their own whilst car parked up.
So I called them the following morning, asked where the car was. She called back and said the driver says he parked it in front of your caravan and put keys through letter box because you had gone out. So I said I don't have a caravan and I stayed in all day. She called me back and said are you sure you don't have a caravan!!! I let them stew for a while before telling them what happened. They came back and had the car back 3 times before it was anything near right.
Had to claim again 6 weeks ago and went through all the questions with DL and then they said right we'll send our repairer to collect.... "no you wont" and went through it all gain with them.
Jim
PS I don't think they have it right Pete and I would be keeping a close eye on them.
thanks jim , i will deffo keep an eye on them :thumb2
yup, somethings not right at all, I would ring them back Peter, and ask the questions. Where are they sourcing the parts from, why isnt the back door being replace etc etc. it could be that they will be very slack, considering the age of your vehicle, they might not care or think you'll be bothered,,,,
obviously im chuffed to bits to get sally back , but not if she is going to be bodged .
just rung direct line and expressed my concerns about how quickly the repair is scheduled for bearing in mind availability of new parts, and they said that the repairer will have access to many official nissan dealers throughout the country ..... im not convinced
done a bit of research on uk assistance .....:eek:
http://forums.moneysavingexpert.com/showthread.php?t=957879
lacroupade
17-08-2011, 18:10
done a bit of research on uk assistance .....:eek:
http://forums.moneysavingexpert.com/showthread.php?t=957879
I'd say that pretty much nails it.....and given you are with Direct Line, who I've dealt with a couple of times, I'd put a months wages on it being a write-off. No way on gods earth would they waste their time trying to repair an import with a double digit age to it.......
At the end of the day as the victim you are entitled to be put back by the other party into the position you were before the accident, not always by the insurance, you may have to go through Small Claims Court but thats a doddle. If you need to pay through the nose for a replacement (if you get another Mistral) but are short because of a lowish payout, you can sue for the difference.
I suspect this assessor is probably a school leaver or an ex-milkman.:doh
I'd wait until all the facts have emerged, including Direct Line realising/accepting that this was most definitely a no-fault claim.
And re this back door thing, I'm sure you know the wheel carrier is a bloody piece of RSJ compared to the door skin it hangs on, so seriously, ifs its u/s then the door will need replacing....I've twice dented the rear door quite badly just reversing into something at 5mph.....so new bumper, brackets, paint job, door, another paint job, hire car.......not in a million years will that be back on the road if the rules are followed.
chatterbox
17-08-2011, 18:27
Hi Briggie, sorry to read about your accident, hope you, your wife and car are all better soon.
Your tale has got me wondering though about all the "safety" that is supposedly built in to new cars.
My wife has always felt safer when we are driving in the "Queens carriage" as she thinks of it.
We firstly had a "93" Maverick 3 door, petrol, that she had main use of and we bought it due to it having back then, side impact bars as well as the seperate chassis, front and rear kangaroo wrap around bars and side steps, and she loved it.
When later we had to get rid of it due to lots of probs and no money! she really was upset.
We later got a 3 door 3.0 ltr diesel and then changed it for a 5 dooor 3.0ltr which now has the side airbags as well as the responsive headrests and seatbelt tensioners for extra safety "she still prefers the old 2.4 petrol but you can not get them anymore sadly, (nor the front kangaroo bars as they are now banned)" ABS, etc, and she still loves the feeling of being safe in it.
You have now got me thinking, where are the special safety features that might protect you from being rear-ended?
Apart from of course, the extra length and solid chassis and fitted tow bar, I suppose that does help.
Have just read on the link above about UK Assistance, I hope you are one of the luckier ones.
Anyway, hope you are all okay soon and back in your "Sally".
ive just rung direct line again .... and insisted that sally is repaired by my local nissan main dealer :thumb2
they said their assesor will go to the uk assistance workshop and inspect my car , but she confirmed it is my right to choose a repairer as its a confirmed non fault accident ( hes allready admitted liability ) .
however she said it may delay my claim by up to 10 days , meantime i keep the hire car untill my car is returned to my satisfaction :thumb2
chatterbox
17-08-2011, 18:32
Good news. Also good news is knowing you can insist on it being done at a main dealer, something for us all to remember!
makeitfit
17-08-2011, 19:42
Also remember that the hire car charges are not part of your car's value in regard this claim. It will all be charged to the third party's policy :sly
So don't give it back till you get Sally back OR the payout in your bank:naughty
Deleted account DD
17-08-2011, 20:06
obviously im chuffed to bits to get sally back , but not if she is going to be bodged .
just rung direct line and expressed my concerns about how quickly the repair is scheduled for bearing in mind availability of new parts, and they said that the repairer will have access to many official nissan dealers throughout the country ..... im not convinced
the thing to watch with parts is if they are genuine or not. when my SEAT got smacked it would have been a write off if Id insisted on SEAT parts but came just within the cost criteria if parts like lights and radiator were generic motor factor parts. That was via AXA. No problem at all with the repair or parts and i got to keep the car.
You would also be gobsmacked what they do now with pdr type work and a bit of filler. These lot http://www.justcarclinics.co.uk/ to name one group that a lot of Ins companies including Admiral use are a whizz at repairing bumpers and panels. Smacked in Merc colour coded bumper repair, nigh on £800 @ merc. £165 @justcar and the repair is not noticeable.
As far as car hire goes Makeit is bang on and in any case theyll have the galaxy on hire for around £15-20 a day tops which gives the ins company massive leeway for negotiation with the other party re costs/reclaiming against standard charge.
Its a mucky world.
davenclaire
17-08-2011, 21:00
i was filling up my bike in a garage and watched a uk assist driver collecting a couple of cars from the forecourt 1 one was on the flat bed already the 2nd one he was loading onto the rear towing dolly it rolled off as he raised it up and it rolled off down the hil into the forecourt hitting a merc he hitched it up again and drove off with out a care in the world. 2 damaged cars :eek:
jims-terrano
17-08-2011, 21:01
ive just rung direct line again .... and insisted that sally is repaired by my local nissan main dealer :thumb2
they said their assesor will go to the uk assistance workshop and inspect my car , but she confirmed it is my right to choose a repairer as its a confirmed non fault accident ( hes allready admitted liability ) .
however she said it may delay my claim by up to 10 days , meantime i keep the hire car untill my car is returned to my satisfaction :thumb2
The other week when we had to claim for the Reno they warned exactly the same but it took days to sort. My repairer came to my house and did it no problems at all (OK I know yours is different). Think time scales are quoted as a tool to persuade customers.
Jim
On the positive side it just goes to show just how tough the old wagon is.Imagine if you had been driving a well know Italian brand or a FWD vehicle for that matter.I reckon that Troll deserves a couple of gallons of Super Diesel !
done a bit of research on uk assistance .....:eek:
http://forums.moneysavingexpert.com/showthread.php?t=957879
What a fiasco, we are with Direct line, 2 cars, my sons' car, house and contents insurance.......
I think I will have to re-consider, but aren't all insurance companies out to get in as much money as possible and pay out the least.
Which includes paying the lowest wages. :eek:
My son had a recent bump in his car, a driver changed lanes and collided with his rear off side.
Direct line said "Knock for Knock", thus my son lost his no claims discount and excess etc. :confused:
He googled the roundabout from Google earth, marking on the positions of the vehicles, and the lane markings.....
He sent a letter to Direct line.....
Outcome, he was refunded his excess and his no-claims was re-instated. :clap :clap So it can be done, persevere......:thumbs
Back to the original topic, Briggie, I hope you get Sally back in a satisfactory condition.
It seems that the plate under the fuel tank has prevented some lower end damage, and I thought they were there to protect it when going over rocks, not bonnets. :lol :lol
It looks like we have a tough vehicle here. :thumb2
Best regards, Rustic
just had a look at the contract for my hire car :eek:
thank flek im not paying for it :augie
£106 +vat ...... PER DAY !!!!!! :eek:
thats extracting the urine a bit innit ?
makeitfit
19-08-2011, 11:43
Briggie please note
BE VERY VERY CAREFUL with it too, as if you twat it in tesco or the like it will cost you a mint to sort :eek:
Check your excesses on it :rolleyes:
Terranical
19-08-2011, 11:46
Jeez Louise!!! You have that for a couple of weeks and it would be cheaper for your insurance company to buy you another tidy Mistral!
makeitfit
19-08-2011, 12:08
That's one of the reasons our insurances are up through the chuffing roof. My daughter had her TR7 written off. As it wasn't her fault a hire car arrived that afternoon. It racked up over £2000 of hire before they eventually agreed her "Agreed Value" insurance, all of about a grand I think :lol
The hire cars are contracted to the insurance co. though and also own some of them. All very nice money for them though and we just keep paying............................................ ...............:(
lacroupade
19-08-2011, 13:23
That's one of the reasons our insurances are up through the chuffing roof. My daughter had her TR7 written off. As it wasn't her fault a hire car arrived that afternoon. It racked up over £2000 of hire before they eventually agreed her "Agreed Value" insurance, all of about a grand I think :lol
The hire cars are contracted to the insurance co. though and also own some of them. All very nice money for them though and we just keep paying............................................ ...............:(
Exactly....I had a right rag at some twat on the Z4 site boasting about £3900 worth of hire charges to replace his vehicle while it had some frankly pretty minor repairs done.:doh
we pay our very high premiums to supposedly cover situations like mine ,
insurance is a funny thing innit ..... is there anything else we pay for hoping to never use it ?
im a bit nissed off after speaking to my insurance company to be honest , yesterday i told them that it is my right to choose a repairer of my choice , so i chose nissan huddersfield , today they told me my approved repairer was uk assistance who had allready started to dismantle my car ready for repair, i again demanded that uk assistance do not repair my car , and after a long wait on hold she said i could take it to nissan huddersfield , but i would have to pay to transport it there and i will not get this returned ....... is that true ? ..... surely not
more reason to have metal bumpers.
road armour
rayf3262
19-08-2011, 18:09
we pay our very high premiums to supposedly cover situations like mine ,
insurance is a funny thing innit ..... is there anything else we pay for hoping to never use it ?
im a bit nissed off after speaking to my insurance company to be honest , yesterday i told them that it is my right to choose a repairer of my choice , so i chose nissan huddersfield , today they told me my approved repairer was uk assistance who had allready started to dismantle my car ready for repair, i again demanded that uk assistance do not repair my car , and after a long wait on hold she said i could take it to nissan huddersfield , but i would have to pay to transport it there and i will not get this returned ....... is that true ? ..... surely not
The cost of the transport for your Mistral should be covered by "uninsured losses". There will be other uninsured losses such as Taxi's, damage to other item IN the vehicle etc..
I found that these all have to be claimed after the principal claim is agreed.
So ask your insurer, or their legal dept. about uninsured loss recovery.
jims-terrano
19-08-2011, 18:22
Strikes me it's a stitch up:nenau
Jim
If you have AA cover or RAC cover, they have a legal department that assist you.
It used to be free to members, so check them out for advice.:thumb2
cleangreenm/c
19-08-2011, 21:40
Hope you are ok brigge [both of you ]
dont know wot the damage is to your car BUT when i had my garage my body bloke was a wiz we got loads of work because all other garages were Qting 4 new parts andhe could pan beat them .saw him doafront door that everyone said was anew door letalone just a pannel when done the owner said thought you were going to repair not fit a new door!!
Allso my father used the AA legal bit and they were brill. Roy
Deleted account DD
19-08-2011, 22:12
The cost of the transport for your Mistral should be covered by "uninsured losses".
almost certainly not. they will state that work had commenced after authority had been given and therfore any change is at the choice and therfore expense of the insured. ie he didnt change his mind early enough.
Deleted account DD
19-08-2011, 22:17
£106 +vat ...... PER DAY !!!!!! :eek:
thats the quoted daily rate. the negotiated cost at settlement will drop to somehwere nearer £15 to £20 a day. Thats how much i hired 3 people carriers for in june :thumb2
The telling thing regarding liability and how decent the comapanies are will be if you have to pay your excess up front. These days when liabilitty is admitted in full by the other party you dont pay on collection because they know youre in line to claim it back and that costs them more.
Thats certainly the way direct line worked last year :thumb2
i have a letter from my insurance company that says the other party has admited full liability for the accident , my excess will be waived and my no claims bonus will not be affected :thumb2
jims-terrano
20-08-2011, 09:26
Good to hear there's no XS to pay or NCB is clear too. I think you're probably in a waiting game now Pete. I guess you'll have to see what the car is like afterwards and fight for every little detail that may or may not be wrong with it. Don't forget it may very well come back and be fine.
Jim
Deleted account DD
20-08-2011, 17:14
i have a letter from my insurance company that says the other party has admited full liability for the accident , my excess will be waived and my no claims bonus will not be affected :thumb2
good stuff :thumb2 the only thing to watch out for next is a big hike in premium next renewal. They do it, they allege, because you're now a higher risk irrespective of blame having been involved in an rtc.
when i queried it i was told statistically more than 50% (if i remember the figure) of drivers involved in no blame are involved in blameworthy within a year. I asked them to provide the source of these figures , funnily enough im still waiting.
to demonstrate even further that its a money making scam i asked how long this extra payment would apply. 5 years was the answer.
**** off was the reciprocal answer when they asked me if i was going to renew with them.
ok assesor been today ( while i wasnt in :rolleyes: ) .
he had a look around the car , and estimates approximately £1500 damage , which is " beyond economic repair " .
he is going to write a report to send to my insurers , the other guys insurers , and send me a copy ( i insisted )
they are then going to value my car using caps grey guide ( or summat like that ) . i suspect this is where we are going to disagree big time , ive allready told him i value the vehicle close to 2k ( gotta try havent you lol )
so i await for their offer , so i can refuse it lol
http://www.cap.co.uk/ProductsServices/UsedValues/GreyImports/tabid/150/Default.aspx
(RIP) PLANK
27-08-2011, 14:47
don't forget you are a member of an owners club and an enthusiast of these fine vehicles - it is not just another second hand car they are looking at!
I did this with one of my Mrs's "2cv's once and it nearly doubled their estimate and made the car economic to repair again :thumb2
don't forget you are a member of an owners club and an enthusiast of these fine vehicles - it is not just another second hand car they are looking at!
I did this with one of my Mrs's "2cv's once and it nearly doubled their estimate and made the car economic to repair again :thumb2
:thumb2 Good point, yet another good reason for joining this club :thumb2
jims-terrano
03-09-2011, 11:58
Eyup Briggie any news on this yet mate?
Jim
lacroupade
03-09-2011, 20:01
ok assesor been today ( while i wasnt in :rolleyes: ) .
he had a look around the car , and estimates approximately £1500 damage , which is " beyond economic repair " .
he is going to write a report to send to my insurers , the other guys insurers , and send me a copy ( i insisted )
they are then going to value my car using caps grey guide ( or summat like that ) . i suspect this is where we are going to disagree big time , ive allready told him i value the vehicle close to 2k ( gotta try havent you lol )
so i await for their offer , so i can refuse it lol
but even if you get to £2k, by the time you add in car hire etc... its still uneconomical for them to fanny about.....better for them to write it off, pay you, then get a few hundred quid back on scrap. Costs them less in the long run that way than repairing it.
after a lot of discussion and stupid offers from the assesor ,we have finally agreed on a value of £1800 for sally :naughty.
im quite happy with that ,but the rules seems to have changed a bit.
you now have 3 days from when the cheque is authorised ( NOT WHEN RECEIVED ) to return the hire vehicle /find a replacement vehicle .
im on holiday and was told i had to return the hire car , i said im on holiday , and if you wish me to return the car , i will , but you will get a bill for a cancelled holiday.
a short while later i got a call to say i could keep it until i get home :augie
Terranical
04-09-2011, 08:24
Result - well done! So now the hunting for another Sally begins?
jims-terrano
04-09-2011, 08:28
Nice one Pete, at least you have a second car to get you around until you get another motor.
Enjoy the hol
Jim
fantastic Peter, wll done, and its excellent see the fruits from you sticking to your guns mate.
£1800!! thats bloody superb mate im well pleased for you, that amount of money gives you a fantastic choice of replacement vehicle. just take your time, and i advise an AA inspection or at the very least friends to inspect any car you fancy.
:thumb2
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