Accident advice. - Page 3

Plezier · 10th September 2016, 06:43

Personally I would say they need to visit my home or a garage of MY choice to assess the damage as once they take the car that is likely the last you will see of it. if at the garage i would be there with it.

HarryM1BYT · 10th September 2016, 07:42

Quote:

Originally Posted by lathbury

It's still my car, can't I stop them scrapping it?. The car is mine, I must have some opinion. I have a walnut steering wheel, a Navall 2 fitted, a recently fitted ubp, a week old battery fitted. Any advice please?. Thanks, John.

Doing anything with the car, other than what you have given them permission to do - is against the law. Just make that abundantly clear to them - it remains your car until you advise them otherwise.

Mike Noc · 10th September 2016, 08:29

Quote:

Originally Posted by HarryM1BYT

One of those times when a working car cam's video might have proven to be invaluable, other wise its their word against yours. It is though much more likely that he would have pulled in too early - not seeing you, than you would pull out with him slightly ahead of you in your full vision.

Good advice, and even if you haven't got a dashcam most phones have a record function so switch it on before you get out of the car and talk to the other driver. Just hold it normally in your hand and they won't notice they are being recorded - especially useful if you haven't got an independent witness.

Avulon · 10th September 2016, 15:57

Quote:

Originally Posted by lathbury

It's still my car, can't I stop them scrapping it?. The car is mine, I must have some opinion. I have a walnut steering wheel, a Navall 2 fitted, a recently fitted ubp, a week old battery fitted. Any advice please?. Thanks, John.

You can go further than that. 1) make them send an independent motor engineer to assess the repair cost. 2) get your own quotes for repairs. 3) finally get them to pay you for the cost of all repairs and commision the repair yourself. 4). if they have accepted all fault then if and only if you really can't do without the car while it's being repaired hire a car (not through the insurance rip-off monkeys) and make sure they agree to pay for that as well. They cannot under any circumstance force you to scrap the vehicle. What they can do however is refuse to pay any more for repairs than the total value of the vehicle.

Quote:

Originally Posted by James.uk

Your "legal cover" are in fact your insurers legal reps, in the advent of a claim they will act in your insurers best interest..... And that may not be in yours..

I was told this by my insurers legal dept (by email)... Makes you wonder why you pay extra for legal cover eh.......

...

The only use for legal cover is for when you are in trouble over an accident.

Quote:

Originally Posted by Plezier

Personally I would say they need to visit my home or a garage of MY choice to assess the damage as once they take the car that is likely the last you will see of it. if at the garage i would be there with it.

Make them send an engineer to your home to inspect it.

Quote:

Originally Posted by HarryM1BYT

Doing anything with the car, other than what you have given them permission to do - is against the law. Just make that abundantly clear to them - it remains your car until you advise them otherwise.

Quite right - but little help once they've gone too far with it in their posession.

Quote:

Originally Posted by Mike Noc

Good advice, and even if you haven't got a dashcam most phones have a record function so switch it on before you get out of the car and talk to the other driver. Just hold it normally in your hand and they won't notice they are being recorded - especially useful if you haven't got an independent witness.

An excellent tip, thanks Mike.

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Kennyeth · 11th September 2016, 10:07

Quote:

Originally Posted by Avulon

Whether the police are bothered or not - and they won't be unless there is serious physical injury - report the incident to the police and always suspect the other driver of being drunk or under the influence

. That will get an incident number for the insurance company, although the police are unlikely to do much else without witnesses which they won't bother to seek out. Remember that nothing is obvious to any third party (e.g. insurer/solicitor) looking into an accident so spell every tiny detail out precisely and as clear as you can then sit back and be prepared to settle 50/50 anyway.

One other thing unless absolutely necessary don't under any circumstance claim against your own insurance. Once you do then it's them that will attempt to recover damages from the third party and they are much more likely to settle for a 50/50 than you will and this can affect your premiums later. Claim from the third party insurer directly (or through your legal support).

Good luck.

I think the offending driver could be booked for "driving without due care" even "dangerous driving"
It is a Motorway after all and had they (Police) seen it he certainly have been booked.
Ken.

lathbury · 18th September 2016, 19:09

Many thanks for all the advice, the update is the car went to Manchester to be assessed, they said the assessor didn't do house visits The op's insurer, Direct Line, have been very helpful, putting my mind at rest, saying the car will be returned to me if I want that. The assessor has said the car is now a Cat C car, they have offered me £1000, less £40 for the car, and are bringing it back Monday or Tuesday. I have accepted the offer as I want my car back asap as the courtesy car is tiny. I can now get my suspension checked to see if it repairable. Thanks again, John.

Phil63 · 18th September 2016, 19:58

Looks like a result..

lathbury · 18th September 2016, 20:29

What exactly does Cat C mean?. My car is perfectly driveable. John.

keithst24 · 18th September 2016, 20:31

Quote:

Originally Posted by lathbury

What exactly does Cat C mean?. My car is perfectly driveable. John.

Vehicles written off after an accident, a flood, or fire damage are often classified as Cat C. In its simplest form, it means that although the car is repairable, the cost of the parts, labour and potentially an expensive hire car would significantly exceed the value of the vehicle.

lathbury · 21st September 2016, 09:00

The op's insurance have texted me to say the cheque was posted today, the rear o/s wheel is slightly pointing inwards as if something behind it is bent. I would not know what I was looking at so I will take to my local garage to get checked. Is it likely to be anything serious or major?. Thanks, John.

10th September 2016, 06:43	#21
Plezier I really should get out more....... Mercedes C Class CDI estate (2003) Join Date: Sep 2012 Location: Gradina Posts: 2,652 Thanks: 62 Thanked 137 Times in 119 Posts	Personally I would say they need to visit my home or a garage of MY choice to assess the damage as once they take the car that is likely the last you will see of it. if at the garage i would be there with it. __________________ Classic SE CDT sadly lost in a severe collision.

18th September 2016, 19:58	#27
Phil63 Posted a thing or two 04 75 tourer cdt auto. Two tone grey. X-Power over Tempest. 04 75 V8 Chatsworth Bronze.. Join Date: Apr 2011 Location: Devizes Posts: 1,615 Thanks: 392 Thanked 402 Times in 244 Posts	Looks like a result.. __________________ This vehicle was the 26,209th 75 Tourer to run off the production line, out of 27,407 This vehicle was the 1,673rd 75 Tourer CDT Connoisseur SE (135) to be made out of 2,074 This vehicle was the 487th 75 Tourer in XPower Grey (code: LEF) to be made out of 670 XPower Grey 75 Tourers [SIGPIC][/SIGPIC]

18th September 2016, 19:09	#26
lathbury Posted a thing or two 75 Conn S.E. Cdt. Join Date: May 2007 Location: Merseyside Posts: 1,803 Thanks: 1,873 Thanked 52 Times in 49 Posts	Many thanks for all the advice, the update is the car went to Manchester to be assessed, they said the assessor didn't do house visits The op's insurer, Direct Line, have been very helpful, putting my mind at rest, saying the car will be returned to me if I want that. The assessor has said the car is now a Cat C car, they have offered me £1000, less £40 for the car, and are bringing it back Monday or Tuesday. I have accepted the offer as I want my car back asap as the courtesy car is tiny. I can now get my suspension checked to see if it repairable. Thanks again, John.

18th September 2016, 20:29	#28
lathbury Posted a thing or two 75 Conn S.E. Cdt. Join Date: May 2007 Location: Merseyside Posts: 1,803 Thanks: 1,873 Thanked 52 Times in 49 Posts	What exactly does Cat C mean?. My car is perfectly driveable. John.

21st September 2016, 09:00	#30
lathbury Posted a thing or two 75 Conn S.E. Cdt. Join Date: May 2007 Location: Merseyside Posts: 1,803 Thanks: 1,873 Thanked 52 Times in 49 Posts	The op's insurance have texted me to say the cheque was posted today, the rear o/s wheel is slightly pointing inwards as if something behind it is bent. I would not know what I was looking at so I will take to my local garage to get checked. Is it likely to be anything serious or major?. Thanks, John.