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

39 replies
Found 20th Jul 2011
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?

  1. Misc
  2. Car
  3. Tesco
39 Comments

ask for a years free shopping

Original Poster

whatsThePoint

Most of the tricks are played by people in your situation to try and … Most of the tricks are played by people in your situation to try and maximise any payout



Like what?

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" 20th Jul 2011

Why are you concerned with what tricks their insurance will play, you have your own insurance company that deal with it.

" 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.

Original Poster

MinstrelMan

Why are you concerned with what tricks their insurance will play, you … 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" 20th Jul 2011

Original Poster

whatsThePoint

Oh great now i'm involved in insurance fraudLike claiming for whiplash … Oh great now i'm involved in insurance fraudLike 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.

MattyBoi

How do you really know what you've got? My neck got worse through the … 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.

A sore neck can soon become soooo much more I think everyone will learn that at some point in their lives.

Where theirs blame theirs a claim.

Take em for all they've got mate.

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.

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.

whatsThePoint

Yeah, its not as if everyone else will be picking up the bill thru higher … 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

Original Poster

Nailez

A sore neck can soon become soooo much more I think everyone will learn … 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.

Original Poster

1616french

Seriously,if you have a sore neck and a bad head go to your doctors and … 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?

Original Poster

whatsThePoint

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.

MattyBoi

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.

Banned

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" 20th Jul 2011

Original Poster

dunfyboy

I was rear ended pushing me into the car in front years ago. I claimed … 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?

Talk to your insurance company and see what they say? Maybe the best bet instead of asking misc

kinda makes me a bit mad reading all this, having spent 15-20 years on insurance (£1000's )and not had 1 accident

MattyBoi

now I'm left with whatever paltry sum my insurer offers me for 'market … 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.



If its the other drivers fault then its their insurers will be paying you and your excess doesnt come into play.

harlzter

If its the other drivers fault then its their insurers will be paying you … If its the other drivers fault then its their insurers will be paying you and your excess doesnt come into play.


you put weight on?

Original Poster

DannyM

Talk to your insurance company and see what they say? Maybe the best bet … Talk to your insurance company and see what they say? Maybe the best bet instead of asking misc



I have, as I said in OP they have declared the car a write-off and am now just waiting for a call-back. I was asking for people's experience and anything to look out for.

Original Poster

splatsplatsplat

kinda makes me a bit mad reading all this, having spent 15-20 years on … kinda makes me a bit mad reading all this, having spent 15-20 years on insurance (£1000's )and not had 1 accident



Think how I feel, driving for 10 years not one claim then the guy drives straight into me at a roundabout.

Original Poster

harlzter

If its the other drivers fault then its their insurers will be paying you … If its the other drivers fault then its their insurers will be paying you and your excess doesnt come into play.



Not what my insurance said: "we will make you an offer for the car then deduct your excess, which we will attempt to recover for you".

MattyBoi

Think how I feel, driving for 10 years not one claim then the guy drives … Think how I feel, driving for 10 years not one claim then the guy drives straight into me at a roundabout.


Would you have rather been the one doing the rear ending?

MattyBoi

Harsh, hopefully the guy I 'bumped' won't put a claim in then, it didn't … 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?



You shouldn't lose your no claims if you are not at fault(although you will have to mention it when getting quotes in future for the next 3-5 years). I was hit by another driver long time ago, they tried to make a claim off me, my insurance refused to pay them but i lost my no-claims while they investigated it - and was given it back after they had finished.

Edited by: "athunder" 20th Jul 2011

Original Poster

flyingflea

Would you have rather been the one doing the rear ending?



Would rather I didn't have a crash at all.

Regardless of what the plonkers say on here , it's not your fault , make there insurance pay for the damage whether it's your car or yourself . Go to the doctors , report the incident and claim for whiplash .You should get between £2500 to £3000 for it .

raptorcigs

you put weight on?




Took me a while to work out what you meant then before I realised I had changed my avatar lol

Actualy I have lost a stone in the last month by cutting crap out of my diet, now going to turn it into a sponsored slim to raise funds for the school and give me extra incentive to take it further! LOng term hoping to lose a further 3 stone. Keep your eye on my FB!

harlzter

Took me a while to work out what you meant then before I realised I had … Took me a while to work out what you meant then before I realised I had changed my avatar lolActualy I have lost a stone in the last month by cutting crap out of my diet, now going to turn it into a sponsored slim to raise funds for the school and give me extra incentive to take it further! LOng term hoping to lose a further 3 stone. Keep your eye on my FB!



Good luck and nice to know your doing it for a good cause, You'll also reap the health benefits, Keep it up...!!!

splatsplatsplat

kinda makes me a bit mad reading all this, having spent 15-20 years on … kinda makes me a bit mad reading all this, having spent 15-20 years on insurance (£1000's )and not had 1 accident



You could always do a sharp stop in front of a Tesco's lorry! That's the problem with making insurance mandatory... people get away with murder. If there was no car insurance policies, there would barely be any cars on the road in fear of the legal bills.
Edited by: "ShaunnyBwoy" 20th Jul 2011

ShaunnyBwoy

You could always do a sharp stop in front of a Tesco's lorry! That's the … You could always do a sharp stop in front of a Tesco's lorry! That's the problem with making insurance mandatory... people get away with murder. If there was no car insurance policies, there would barely be any cars on the road in fear of the legal bills.



Not recommended alot of the big lorrys now have frontal cameras for this reason.

oO great attitude

1616french

Seriously,if you have a sore neck and a bad head go to your doctors and … 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.




Edited by: "dt_matthews" 21st Jul 2011

If you have a reasonably popular car, hunt places like Autotrader etc and see how much a 'like-for-like' car would cost you and when your insurers phone you and offer you a daft amount just say that a replacement will cost more at around x amount. They will never match it, but you might get closer.

webuyanycar.com

webuyanycar.com

webuyanycar.com

Original Poster

Thanks for all the help and response. They actually made me an offer for more than I expected but still thought it was a little low so rang them back and they gave me a bit more.
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