Insurance claim questions
Recently someone crashed into my car, which was parked on a residential street while I was at work. My insurer says there should be no dispute and it was not my fault. Because I do not have comprehensive cover, they referred me to a credit hire/repair company, whose costs will be claimed against the at faulty party.
On Friday I made an appointment for the repair centre to pick my car up Monday morning, I explained to the credit hire company that I will need a replacement car for the weekend for day-to-day use. Today (Wednesday) I called up the repair centre for an update on the estimation - they inform me that my car is total loss and they are awaiting authorisation from my insurer.
My questions are:
1) How long am I entitled to the replacement car, for free?
2) If the payment the at fault insurers offer me is unreasonable/unacceptable, who may I take this up with? Financial Ombudsman? or other?
3) Will I be able to seek compensation from the at fault party for any of the following:
a) Loss of use of car? - e.g. between the time I must return the replacement car and until I can purchase a new suitable car (A suitable car may not be available right away)
b) Extra travel expenses?
c) Extra phone charges? - eg. long premium rate calls to various companies
d) Stress and inconvenience and loss of time caused?
On Friday I made an appointment for the repair centre to pick my car up Monday morning, I explained to the credit hire company that I will need a replacement car for the weekend for day-to-day use. Today (Wednesday) I called up the repair centre for an update on the estimation - they inform me that my car is total loss and they are awaiting authorisation from my insurer.
My questions are:
1) How long am I entitled to the replacement car, for free?
2) If the payment the at fault insurers offer me is unreasonable/unacceptable, who may I take this up with? Financial Ombudsman? or other?
3) Will I be able to seek compensation from the at fault party for any of the following:
a) Loss of use of car? - e.g. between the time I must return the replacement car and until I can purchase a new suitable car (A suitable car may not be available right away)
b) Extra travel expenses?
c) Extra phone charges? - eg. long premium rate calls to various companies
d) Stress and inconvenience and loss of time caused?
Asked on 4 December 2013 by mm10
Answered by
Honest John
If you have been supplied with a credit hire car by an accident management specialist at an inflated hire charge and the other party's insurer refuses to pay, you could become personally liable for the cost.
This FAQ explains about write offs and some of your rights. Remember, nothing is for nothing. An accident management specialist will only help you if it can make money out of helping you: www.honestjohn.co.uk/faq/insurance-write-offs/
This FAQ explains about write offs and some of your rights. Remember, nothing is for nothing. An accident management specialist will only help you if it can make money out of helping you: www.honestjohn.co.uk/faq/insurance-write-offs/
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