Thought would post out here, some may have had something similar happen and hopefully guidance.
Bunch of alcohol fuelled idiots with no driving licence or car insurance decide to smash into back of us yesterday causing fair amount of damage, in an attempt to get away from the police who were pursuing them.
Well as it stands its a clear cut non fault claim, we just renewed this years premium 3 days ago with new company (Zenith), set the claim procedure going yesterday and today told that car will be collected next Friday PM and repairers will take a look at it and determine next steps whether a repair or mark it a total loss.
In meantime been told even though we have courtesy car cover included in our comprehensive insurance it comes via the Repairers, currently car cant be driven but a courtesy car will only be given whilst car is at repairers (collecting it Friday 4th). We were told by Insurers that we cant claim for Hire Car as there is no 3rd Party Insurance to claim back from, obviously we also have to pay out excess from our own pocket due to uninsured aholes and having to fork out £000s for a recent funeral leaves us at moment with zero extra funds.
So we end up being rear ended and side swiped by someone with no insurance, legally able to drive, all whilst under the influence. As they have no insurance our company say we have to claim under our own, we have to fork out all excesses and cant have a hire car whilst our car is off the road but the approved Repair Garage subject to availability can supply is with one once our car is being repaired. IF it cant be repaired we aren't entitled to a courtesy car but our Insurance company will aim to settle with a maximum of 10 Days!!
Oh and yes we didn't tick the Motor Legal Protection Box