I Hate Drunk Drivers!
- Thread starter bp;ptxus
- Start date
Thanks, Go to agree with @mrscalex regarding the bonnet, I had a figure of about 1K ex VAT in my head, this makes a huge difference to the quote value if a minor repair can done, lets face it new or old bonnet the panel will be painted either way.
Wise words, I just hope AF know the value of what they are dealing with and as a broker relay this to the insurance company.
I have an Agreed Value with AF, it was based on a BMWCC valuation which they accepted without any problem. Could be worth considering when you get sorted out.Be careful what you wish for! I just had a recent conversation with AF about a fixed value, and after what they told me decided not to do it (unlike my Mk2Golf GTi). In hindsight...
The valuation service provide by BMWCC is quite detailed requiring if I recall photos, service details, latest MOT, modifications etc. Look on their website to find details & cost.
Hope you get this accident problem sorted out satisfactorily.
Brilliant, thanks!
Curtsies,Thanks for all the helpful info, chaps and chapesses(?)
You’re welcome.
Sorry about the radio silence! Still fighting the 3rd Party insurers to stop from picking up the car and giving it to their Shop. I did have a back-and-forth with @Sean d, and am waiting to hear if he will accept to do the repairs whether I, or the Insurers pay. Hope he will reply by the end of the Weekend, so I can instruct the Recovery guys to send it over. If not, the good news is that I checked the Hagerty's Valuation Tool and in Excellent condition it's worth about £20k, but Concours (low miles, no blemishes, few owners, fully documented service history etc.) is around £32k, so as @Sean d said it's within the margin for repair rather than write-off. So, hopefully, after this w/e it's going to @Sean d, or I can find someone closer to home that loves the zeds...
. Thanks all for the continuing positive vibes!!
. Thanks all for the continuing positive vibes!!
So sorry to hear about your car. It sounds like a really special one so I hope it all turns out OK in the end. Plenty of people on here to help.
Glad you are OK, and at least you got the ba&@#*d that did it.
Glad you are OK, and at least you got the ba&@#*d that did it.
@bp;ptxus I hear your frustrations but it does sound like progress is being made. I’m a little confused as to why the third party’s insurers are pressing to take your car to their repairers. Is this normal? I would have thought that your insurer would have been suggesting it’s repair shop and you do have the choice of independent repairs ie: one of your choice. I think insurers may penalise you with the latter option if pursued.
The advice given by mine was that, in a no-fault claim, it's better to go rhrotugh the 3rd party insurer because there are no up-front costs to be paid, and there us ni record on your own insurance, even though a claim was made. You are right: I do have the right to choose, and I have already told them I want to use someone.else, but the Recovery Agents keep calling to pick up the vehicle. I shall be speaking to the Insurer's handling agent on Monday and will have to insist that it goes to @Sean d's once I get his address details. If not, I will have to use my Insurers. Watch this space!!
@bp;ptxus , like you are doing, I dealt solely with the third party insurers to sort out my car but had to inform my insurance company.
Although it was a no fault accident, ( I was stationary when the pil***k hit me), my insurance company had absolutely no involvement, and the third party admitted all liability, surprise surprise , the insurance premiuim on my other car increased by £50.00 when I renewed it, as I had to declare I had been involved in an accident.
Cant wait to reinsure the Zed, and see what is loaded on to that premium !!!!
Although it was a no fault accident, ( I was stationary when the pil***k hit me), my insurance company had absolutely no involvement, and the third party admitted all liability, surprise surprise , the insurance premiuim on my other car increased by £50.00 when I renewed it, as I had to declare I had been involved in an accident.
Cant wait to reinsure the Zed, and see what is loaded on to that premium !!!!
That's awful. Good luck with the repair but it sounds like you're half way there anyway.
Your insurers and their preferred repairers and their recovery agents are all incentivised to do the job (probably a cr*p one as discussed) and they will be persistent. Just keep telling yourself your car, your right to do as you wish.
Finally, some progress!
I have had to give up working with the 3rd party directly, siy am now waiting for my Insurers to get in touch with @Sean d to organise the repairs. My Insurers Legal team contacted me yesterday to advise that the excess is being picked up directly by the 3rd Party insurance, and I have to submit the uninsured loss ( mudguards and customised outdoor cover) to them.
Following earlier wise comments, I have prepared a dossier to send with the set of photos I prepared for the original agreed valuation with BMWCC, so they can make a good assessment of its value.
Fingers crossed!
I have had to give up working with the 3rd party directly, siy am now waiting for my Insurers to get in touch with @Sean d to organise the repairs. My Insurers Legal team contacted me yesterday to advise that the excess is being picked up directly by the 3rd Party insurance, and I have to submit the uninsured loss ( mudguards and customised outdoor cover) to them.
Following earlier wise comments, I have prepared a dossier to send with the set of photos I prepared for the original agreed valuation with BMWCC, so they can make a good assessment of its value.
Fingers crossed!
I suspected you would end up going through your insurers. This will impact the yearly premium you pay. It’s very annoying but at the end of the day, the drunk tried to escape and all the signs were there. I know someone who virtually the same situation happened to. Five years on and no fault claim settled but they are still paying a much higher annual premium. In fact, this person is thinking of suing the culprit for the near double premiums paid per annum as a result of the accident.
The thing is premium and no claims discount are 2 separate things. You may get to keep your 60% NCD. But you are getitng that factored against a loaded premium. So eg 60% on £600 premium =£360 becomes 60% on £700=£420.
It's purely and simply to help recover their costs of persuing the claim for you. It's got nothing to do with you being a higher risk. Well unless it keeps happening. Terrible things happened to my house insurance premium when I had a £40k claim on a bust pipe but I found a specialist insurer who recognised that statistically you are no more likely to make another claim just because one already happened. Shop around at renewal is the moral and have no false loyalties to current insurer.
It's purely and simply to help recover their costs of persuing the claim for you. It's got nothing to do with you being a higher risk. Well unless it keeps happening. Terrible things happened to my house insurance premium when I had a £40k claim on a bust pipe but I found a specialist insurer who recognised that statistically you are no more likely to make another claim just because one already happened. Shop around at renewal is the moral and have no false loyalties to current insurer.
Am afraid that you have to play the same game as the insurers.
You've got zero blame for the incident in which you were involved.
If you have to claim directly or indirectly, you'll end up being stung on your next renewal premium. Think all you can do is accept it, but, thankfully, there's always a better deal out there than your insurer is going give you. It's so easy to get one nowadays. In fact, that applies even if you don't claim. Just change your insurer every year. They're the ones who have created and propagate this skewed and dishonest market. they're simply too dumb to accept this and treat honest motorists with fair treatment. They reap what they sow.
You've got zero blame for the incident in which you were involved.
If you have to claim directly or indirectly, you'll end up being stung on your next renewal premium. Think all you can do is accept it, but, thankfully, there's always a better deal out there than your insurer is going give you. It's so easy to get one nowadays. In fact, that applies even if you don't claim. Just change your insurer every year. They're the ones who have created and propagate this skewed and dishonest market. they're simply too dumb to accept this and treat honest motorists with fair treatment. They reap what they sow.
[QUOTE="I found a specialist insurer who recognised that statistically you are no more likely to make another claim just because one already happened. Shop around at renewal is the moral and have no false loyalties to current insurer.[/QUOTE]
This is something I've always asked for an explanation for, ie, their contention that your likely to have another accident in the following 5 years ??
This is something I've always asked for an explanation for, ie, their contention that your likely to have another accident in the following 5 years ??