Omega Owners Forum
Chat Area => General Discussion Area => Topic started by: doz on 19 March 2012, 10:06:22
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My Bro got rear ended and it looks like the insurance company of the dildo who went up the back are trying some funny tricks. My question is can you insist the car is return to pre accident condition? I've heard you can but never seen anything in written.
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You can certainly try. Officially you have no contract with them so that is your best argument IMHO.
Sorry to hear of the shunt and I trust he's ok?
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I believe you are entitled to be put back into the position you where in pre the accident. Many people just accept the money offered. But you can insist they repplace the car (if not repairable) with one of the same age/mileage/condition. That said it will take one heck of lot longer to sort out.
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The car is 100% entitled to be Pre-accident condition, I've an insurance assessor I know quite well, who has infact told me some ins and outs. For example you're entitled to have the car back without any filler, if an alloy is refurbed and it comes out a different colour, the others will have to be done too, that's how it should be.
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If the 3rd party insurer has admitted liability (which they'd be mad not to) they will probably want to settle it directly with you, avoiding your insurance company. Bear in mind that this route will save them lots of costs because if a claim is made on your insurance, then repaid by the 3rd party insurer, your insurer will add their costs to the final bill the 3rd party pay.
If they make you an offer directly, therefore, you are in a strong position, because, if you say "no, thanks, I'll deal with my insurer" their bill immediately grows considerably.
I would take it to a repairer of my choice, get them to quote for repair by the 3rd party insurer and say take it or leave it. If they start trying to claim it's a write off, reject any settlements they offer unless they are very generous, and start making noises about getting your insurer involved, getting your insurer to provide a courtesy car, etc. and they will start to see the costs spiral.
A 3rd party is indeed liable to put you back in the pre-accident position and can't declare your car a write-off unless you agree to it. That said, they won't pay a fortune to fix an old car, but, under threat of involving your insurer you should be able to get a pretty generous settlement directly out of them.
Don't let the 3rd party insurer take your car or any documents unless you've agreed to let them write it off.
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Wise words K.W :y
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My Bro got rear ended and it looks like the insurance company of the dildo who went up the back are trying some funny tricks. My question is can you insist the car is return to pre accident condition? I've heard you can but never seen anything in written.
sounds so wrong ;D
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My Bro got rear ended and it looks like the insurance company of the dildo who went up the back are trying some funny tricks. My question is can you insist the car is return to pre accident condition? I've heard you can but never seen anything in written.
sounds so wrong ;D
I thought as much too!!!
Wise words Kevin :y
Wish your bro good luck from me
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My Bro got rear ended and it looks like the insurance company of the dildo who went up the back are trying some funny tricks. My question is can you insist the car is return to pre accident condition? I've heard you can but never seen anything in written.
sounds so wrong ;D
;D ;D ;D