Omega Owners Forum
Chat Area => General Car Chat => Topic started by: russ0205 on 08 September 2011, 19:35:07
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Well as i returned from two great weeks in yorkshire on hols with family i pulled up to my house with a sick feeling,My beloved mig was parked outside my house with the rear end smashed in, I felt physically sick i walked and opened the house front door to find a letter from plod asking me to call them, going straight for the phone called them only to find a young lad drunk driver had hit it,After going down to see plod to get insurance details etc i thought at least he was insured,
Well monday morning on the phone to insurance company within an hour the car was collected, and taken to the approved repairer, phone call tuesday from repairer they think its total loss insurance company will call,
Today thursday they called its a total loss. boot,boot floor etc, now for the blow 2002 52 mig 2.6 cdx 82k fsh
settlement £1180
excess compulsory £250
excess voluntary £100
installments still to pay on insurance £76
private plate retention £105
gives me a grand total of £649 to buy another car
well to say gutted is an understatement o k i will try to recover expenses from his insurance company but at the mo
no car and no cash oh i can buy it back for £450 but its just not worth it,
:'( :'( :'( :'( :'( :'( :'( :'( :'( :'( :'( :'(
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Sadly, Omegas are worthless, and damage even just a knock would declare them written off.
I would push for a higher valuation than that though, get some examples off auto trader :y
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Thats where they came up with the value from,
>:( >:(
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sorry to hear that.. :(
rear ending damages can be repaired successfully..
although it may cost some, its up to you to decide its worth the money and effort or not.. :-/
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yes - as Tunnie says get some evidence. make sure you get your claims in to his insurer for all excesses etc. You would have been able to claim hire car but if offer is now on table you will have to be careful with that one. Does your insurer provide replacement car?
You need to get into dialgoue with his insurers - I think maybe argue that you want a hire car at their cost until such time as they put you in the position of recovering the agreed value of the car. I think they would be responsible until they settle your uninsured expenses - this may get them to move quicker.
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just too much damage boot floor rear panel rear quarter bumper the list goes on, the other problem is as i am not working i am not eligible for a hire car and my ploicy doesn't cover one.if the car is repairable then the approved repairer gives you one of there cars but if its a total they won't,
>:( >:(
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Is that from your insurance company? If not, you have no contract with them and have the right to push for the car (or a replacement) in the same condition
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just too much damage boot floor rear panel rear quarter bumper the list goes on, the other problem is as i am not working i am not eligible for a hire car and my ploicy doesn't cover one.if the car is repairable then the approved repairer gives you one of there cars but if its a total they won't,
>:( >:(
It doesn't matter what your policy covers. 3rd party is liable so you can claim any reasonable expenses, and all uninsured losses from them.
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No its from my insurance company as i have legal cover they will fight for out of pocket expenses, the problem is omega cdx 2.6 is just not fetching any money, If it was an elite or mv6 then it would be different,
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As said above - never accept the first offer. Insurers always have more up their sleeves but know that a proportion of customers will do them a favour and accept a derisory offer.
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Contact the drunk drivers insurance and demand they do something, if they don't steal the drunk drivers car and use that for a while
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sorry to hear about your car drink drivers make my pi$$ boil as already said dont accept the first offer
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Contact the drunk drivers insurance and demand they do something, if they don't steal the drunk drivers car and use that for a while
If the Omega is a write off, then I assume the drunk drivers car is well past it! ;D
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Have I missed something here, or am I wrong in what I am thinking.
You dont pay any excess, you didnt cause the accident. You stand to it till the insurance claim is settled and finalised (so I thought)
I would also insist the car was of higher standerd being part of the OOF in keeping it well maintained and fettled, plus the fact you thought it worthy of a private plate.
Push for all costs involved, no mater what they are, your insurance is not paying the bill. Why should you suffer.
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Also a few years down the line when it cannot be traced - beat the b*** up!
Bloody drunk drivers >:( >:( >:( >:(
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Given you are the third party then the excesses do not apply as the payment is from thier insurnace and not yours.
Similarly, your policy should be able to be transfered to a new car
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As already said, your insurance company shouldn't need to be involved at all. You should be claiming damages from the other driver as you were not at fault.
Just because it's a car that's damaged it doesn't mean that your rights are any different from if it was anything else that was damaged. If he had crashed into your garden fence you wouldn't be claiming from your house insurance, would you?
You should speak to a solicitor if you are concerned that you may end up out of pocket or inconvenienced as that should not happen if the driver at fault is insured.
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well just come off the phone to the insurance company and its a little bit better news, Managed another £150 for my car and transferred the policy to another car,As far as excess goes no joy even as its his fault i still have to pay it and then its up to my legal cover to claim it back (thank god i paid extra). tried to talk to this guys insurance company but they won't talk to me as my insurance is already involved,I have spent most of the morning looking through e/bay autotrader and i have to say they are about right cdx omega is worth jack s...t. Will look around next time but aviva are one of the companies that you have to pay the excess first regardless of blame,
>:( >:(
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OK, this is gonna get messy but it can still be resolved - and you really do need to talk to a lawyer.
Just because you have involved your own insurance (which was your first mistake) it doesn't mean that the other guy's insurers get away with it. It is true that you can't be compensated twice, but your insurance company will surely want their money back. The amount that you are out (your excess) will come from the other guy's insurance, along with any other out-of-pocket expenses like car hire, bus/train fares, loss of wages etc.
If his insurers will not speak to you submit a claim to the guy direct, preferably via a solicitor. At the end of the day, it is his responsibility to compensate you and he will do that via his insurance.
Do not give up on this. You have right on your side!
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I think what is happening now is the insurance co are in process of recovering his uninsured losses. If this is happening and he has authorised them to pursue the claim then his insurance co are effectively his agent and that is why guilty party insurance wants to deal with his authorised agent.
He just needs to make sure ALL his losses and expenses are being claimed by his insurance co on his behalf- he should ask about time scale and seek hire car in any event until such time as his uninsured losses are recovered.
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exactly right my losses will come back to me as the other party has been charged with d/d and my car was legally parked,
Tried my hardest to fight for a hire car that is where there is a pitfall my insurance is pleasure only and not commuting and as i don't work i can't get one that way as swmbo is my carer and she has a car if i hire one then the case may be thrown out on the grounds that i don't need one, Tbh i can do without one at the mo swmbo old scenic is stored at my parents house so i can use it,
Also don't want to take the gamble on having a hire car with the excess they charge if i bump it, as long as i get the full money back then i will draw a line under it. But it just goes to show the true value of the omega, All i can say is be careful to anyone paying £800 on insurance when they value the cars so low being an old git i only pay £250 a year
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Personally I wouldn't have contacted my Insurance Co at all, but gone straight to an independent Insurance Assessor, lot more money for you that way. might not be too late to still go down this route?
Sorry to here about your Car though.