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Had a non-fault car accident last night; car is a write-off. Advice?

MattyBoiMattyBoi

I was stopped at a mini-roundabout last night and a Tesco delivery van drove straight into the back of me knocking me into the van in front.

No real injuries at the time, just a sore neck and headache, which have both continued since.

All details swapped, spoke to Tesco insurance on the phone and my own insurer. Tesco drive gave me a third party document saying that Tesco offer to do all the work for me at no extra cost to me ( I haven't accepted this).

My insurance arranged recovery of my vehicle and have deemed it a write-off to be sorted out today.

Anyone else had this before? Also any advice on tricks the insurers may try to play?

All Comments (39)

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1
    davver99
    ask for a years free shopping
    MattyBoi
    whatsThePoint
    Most of the tricks are played by people in your situation to try and maximise any payout


    Like what?
    Predikuesi
    You can buy it back from the insurance company if it is a write off, if it is worth fixing up yourself. That way you get to keep the car and get the insurance money.

    Edited By: Predikuesi on Jul 20, 2011 09:11
    MinstrelMan
    Why are you concerned with what tricks their insurance will play, you have your own insurance company that deal with it.
    Nailez
    " just a sore neck and headache." - goto docs for write up about it this is a claim right there.

    Tesco are offering to fix third party to avoid insurance and possibly litigation im sure.
    MattyBoi
    MinstrelMan
    Why are you concerned with what tricks their insurance will play, you have your own insurance company that deal with it.


    I'm not dealing with his insurance, I meant my insurance. I have updated OP to reflect this.

    Edited By: MattyBoi on Jul 20, 2011 09:25
    MattyBoi
    whatsThePoint
    MattyBoi
    whatsThePoint
    Most of the tricks are played by people in your situation to try and maximise any payout


    Like what?


    Oh great now i'm involved in insurance fraud

    Like claiming for whiplash when all you have is a sore neck


    How do you really know what you've got? My neck got worse through the evening and still hurts now even though I'm loaded with painkillers.
    Predikuesi
    MattyBoi

    How do you really know what you've got? My neck got worse through the evening and still hurts now even though I'm loaded with painkillers.


    Even if it is "only" a sore neck, it was caused by someone else's negligence. People claim for less than that. I don't think you should ignore the injury but go to the GP. It may be just a sore neck, but it is best to be on the safe side.
    Nailez
    A sore neck can soon become soooo much more I think everyone will learn that at some point in their lives.
    shauneco
    Where theirs blame theirs a claim.
    dtovey89
    Take em for all they've got mate.
    1616french
    Seriously,if you have a sore neck and a bad head go to your doctors and have your visit recorded aswell as any medication,Physio sessions etc.
    You will get over £2k just for that,i was on a 10 day break from work a few years ago and a Pizza delivery driver hit the side of my car.
    My neck was sore afterwards but my doctor said it was`nt whiplash,i was prescribed painkillers and was given a sicknote even though i was on holiday at the time.
    Was in a bit pain for a week,just felt like a stiff neck...still got £2.2k for it though!
    Happy days.
    TUSSFC
    shauneco
    Where theirs blame theirs a claim.


    Where there's blame there's a claim = Where there is blame there is a claim

    Theirs is the plural of the possessive pronoun Their. There’s is the contraction for there is. The apostrophe is the clue that this word is a contraction because the apostrophe replaces the i in is.
    dtovey89
    whatsThePoint
    dtovey89
    Take em for all they've got mate.


    Yeah, its not as if everyone else will be picking up the bill thru higher insurance premiums, oh wait :|


    It's not like your going to troll every thread, oh wait :|
    MattyBoi
    Nailez
    A sore neck can soon become soooo much more I think everyone will learn that at some point in their lives.


    Yeah, I've been reading that often it gets worse over the next few days so looking forward to that. I'm more annoyed that I had a car in fine condition that had a good few years left due to having a good mechanic mate and now I'm left with whatever paltry sum my insurer offers me for 'market value' minus my excess. All down to no fault of my own.
    MattyBoi
    1616french
    Seriously,if you have a sore neck and a bad head go to your doctors and have your visit recorded aswell as any medication,Physio sessions etc.
    You will get over £2k just for that,i was on a 10 day break from work a few years ago and a Pizza delivery driver hit the side of my car.
    My neck was sore afterwards but my doctor said it was`nt whiplash,i was prescribed painkillers and was given a sicknote even though i was on holiday at the time.
    Was in a bit pain for a week,just felt like a stiff neck...still got £2.2k for it though!
    Happy days.


    Very interesting, did your insurance companie deal with it all for you?
    MattyBoi
    whatsThePoint
    MattyBoi
    Nailez
    A sore neck can soon become soooo much more I think everyone will learn that at some point in their lives.


    Yeah, I've been reading that often it gets worse over the next few days so looking forward to that. I'm more annoyed that I had a car in fine condition that had a good few years left due to having a good mechanic mate and now I'm left with whatever paltry sum my insurer offers me for 'market value' minus my excess. All down to no fault of my own.


    Buy the car back and spend the money getting it repaired by your mate then


    I think the damage is too much for this as both rear and front collided with rear bumper and boot being crumpled. There could also be unseen damage obviously so not going to be financially viable even with a mate doing it.
    1616french
    MattyBoi
    1616french
    Seriously,if you have a sore neck and a bad head go to your doctors and have your visit recorded aswell as any medication,Physio sessions etc.
    You will get over £2k just for that,i was on a 10 day break from work a few years ago and a Pizza delivery driver hit the side of my car.
    My neck was sore afterwards but my doctor said it was`nt whiplash,i was prescribed painkillers and was given a sicknote even though i was on holiday at the time.
    Was in a bit pain for a week,just felt like a stiff neck...still got £2.2k for it though!
    Happy days.


    Very interesting, did your insurance companie deal with it all for you?


    Yes,they handled the damage to the car and my injury claim too.
    dunfyboy
    I was rear ended pushing me into the car in front years ago. I claimed off the guy that hit me, the guy in front claimed off my insurance. I complained to my insurers that the guy that hit me should have paid for the lot bit they weren't interested. Lost my no claims, premiums went up and Endsleigh Insurance went top of my **** list.

    Edited By: dunfyboy on Jul 20, 2011 10:06
    MattyBoi
    dunfyboy
    I was rear ended pushing me into the car in front years ago. I claimed off the guy that hit me, the guy in front claimed off my insurance. I complained to my insurers that the guy that hit me should have paid for the lot bit they weren't interested. Lost my no claims, premiums went up and Endsleigh Insurance went top of my **** list.


    Harsh, hopefully the guy I 'bumped' won't put a claim in then, it didn't look like there was any damage to his van.

    I was under the impression that you lost your no-claims even if the crash wasn't your fault anyway?

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