accident

[jims-terrano]

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

 

[4wheel]

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 !

 

[rustic]

done a bit of research on uk assistance .....

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.

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.

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

 

[briggie]

just had a look at the contract for my hire car

thank flek im not paying for it :augie

£106 +vat ...... PER DAY !!!!!!

thats extracting the urine a bit innit ?

 

[makeitfit]

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
Check your excesses on it

 

[Terranical]

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]

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]

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

 

[briggie]

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

 

[Fez_uk]

more reason to have metal bumpers.

road armour

 

[rayf3262]

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]

Strikes me it's a stitch up:nenau

Jim

 

[rustic]

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]

bump

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]

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]

£106 +vat ...... PER DAY !!!!!!

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

 

[briggie]

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]

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]

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.

 

[briggie]

update

ok assesor been today ( while i wasnt in ) .

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