Car Accident Help? - HotUKDeals
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Car Accident Help?

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I was involved in a crash yesterday with my car being written off. It was white van man responsible so it wasn't his own vehicle. I'm not expecting a big payout at all as my vehicle was 8 years old…
Chocadooby Avatar
7y, 1m agoPosted 7 years, 1 month ago
I was involved in a crash yesterday with my car being written off.
It was white van man responsible so it wasn't his own vehicle.
I'm not expecting a big payout at all as my vehicle was 8 years old. It was in great condition but obviously the insurers won't take that into account and will just give the general fee for a car of that age.
I am now driving a courtesy car but that's only for the short-term. Once that goes I'm not sure what to do as I am not in a financial position to purchase the same model car again.
So I'd like to know other people's experiences of winning a claim against the other driver/driver's company.
Chocadooby Avatar
7y, 1m agoPosted 7 years, 1 month ago
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1 Like #1
I believe my sister was in a similar situation regarding the age and condition of the car. She had it taken to a local garage for assessment as they are more sympathetic re old cars in good condition. She got more than expected for the car which was definitely a help.

From what I've heard most companies will accept responsibility quite readily but no personal experience
1 Like #2
First - Make sure you have all their details

then go on Autotrader/PistonHeads and find similar cars to yours and save the adverts - you can use these to justify how much you want to get back. For example, when my old car got written off (BMW 5 Series - '93) they originally offered me £500, i declined, and they offered me £750. I sent them adverts from Autotrader and they offered me £1200, which i accepted.

Dont settle for anything less, you should not be inconvienienced because of someone else's mistake.

I had a hire car for 3 weeks, but as soon as they sent me the cheque the hire car went back. I was lucky enough to have a bit of spare cash at the time, so that helped buy a new car.
1 Like #3
good luck. all i can suggest is that you research on autotrader and get prices for a like for like model within 40 miles of you. this is what they usually do before making you an offer, if you already know how much they are than you can haggle with them to try and get enough to replace your car. never take the first offer either ;-)
1 Like #4
hi we was in a similar situation in the last snow my oh had accident someone elses fault our car is 15 yrs old escort last week the car insurance wrote the car of he received a phone call this morning offering him £600 (we have been told thiis is a good offer) we also have a courtesy car we have had this for two weeks so far, the insurance company said we have the courtesy car till we receive the check then they are going to give us another seven days before courtesy car goes back.
we have beeen looking at cars since last week its so boring but we did find one withn our budget so good luck
1 Like #5
The key is to haggle, haggle and haggle a bit more when they make you an offer :) As said above basically!
1 Like #6
Well when my really old car got stollen 8 years ago (my 1st car :cry:) they wrote it off, and said it was worth £255 and my excess was £250 and as it was only a nomonal amount they wouldn't be paying me the £5 :w00t: I never went back to Elephant car insurance and they neve replied to my rather sh*tty email saying who were they to decide that £5 wasn't worth paying out to me. They did say i could try and prove that my car was worth more (it had 12 months MOT on it, i just had spent £400 getting it trough) by cutting out clippings from auto trader of the same make/ model ect which cost more to prove that to replace it with the same car again it was going to cost more. I never bothered as they didn't really seem worth it in the end.

Good luck
1 Like #7
As above, def haggle. Also let your insurance company know If the car has been recently serviced and/or MOT'd, this can make a difference to their valuation too. And remember to reclaim any outstandind road tax.

Lots of posts about car accidents today!
#8
Some really good advice from every post. Thanks everyone. It'll certainly help my fight!:thumbsup:
1 Like #9
As the others have said, the insurance company should pay you enough to put you in the position you would be in if you had not had the crash. Regardless of what they say your car is worth, they should pay the amount that it takes for you to get a similar car (make/model, age, condition). That's what insurance is all about, so don't accept anything less from them!
#10
Chocadooby
Some really good advice from every post. Thanks everyone. It'll certainly help my fight!:thumbsup:


+ Rep to everyone, I'm feeling charitable. :):)
#11
I'd call your insurance to contact his and enquire about an extension on your car hire - explaining your circumstances - pretty sure you should get longer than a week.
banned#12
go to doctors claiming of a stiff neck and back ache
and then make a claim for whiplash £3000 on its way to you within a year

read up on whiplash on net before you go so you know what to say

you will have car until claim is settled
it wasnt your fault his insurance pay for hire car

if they dont offer you enough appeal until you are happy as they will quickly up offer as they are paying for hire car
DO NOT accept first offer
#13
herewego1234
go to doctors claiming of a stiff neck and back ache
and then make a claim for whiplash £3000 on its way to you within a year

read up on whiplash on net before you go so you know what to say

you will have car until claim is settled
it wasnt your fault his insurance pay for hire car

if they dont offer you enough appeal until you are happy as they will quickly up offer as they are paying for hire car
DO NOT accept first offer


Yea go ahead with a fraudulent claim, all of us innocent drivers will be happy to pay increased premiums.,.:roll:
#14
yeah when my car was written off, i was offered just over half of what i valued my car at (based on price i bought it at, work i had done to the car etc) and even that offer was there second.

As it took a while to get the second offer and i was struggling with transport - i accepted it and used the injury compensation (which was genuine) to make up the difference. In my case i had to take the low offer, as i needed the money to buy a car asap.

If you dont need to get a replacement car straight away, or you have other money you could use, i would wait until they offer you what you want.

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