Well as many of you know some donut hit my car. We are bith insured with admiral (I knew this was going to be a problem) now they have come out and saidthe damage I claim he has caused was already there!!!!! They offered me a £300 settoement before VAT. Ummmm NO!! I am well and truely fed up with thus. 28 days ago I put my car up for sale(for financial reasons) and a few days later the tit hit my car putting the sale on hold and it then starts costine me money. I have the listing on gumtree which is about to expire. With all relevant photos with NO DAMAGE! Because there wasn't any. I've offered to show them this and they said it doesn't matter about that. So I demanded a ln assesor to come out and inspect the car because they say they can see rust on the rear panel below the light from a photo! Un fooking beliveable!! Any ideas on how I can argue my case (with my for my own insurance company , against my iwn insurance company)?? Winter is not a good time to sell a zed and the worse this weather gets the harder it will be for me to sell up. Ive had over 40 people get in touch about buying the car and had to turn them all away. Fed up to the limits and to top it all off I got underpaid for 52 hours work from work and I get paid on the 21st of December. Low and behold im working from the 19th till xmas day so I've sod all cash to do xmas shopping unless I sell my car. Oh wait. I can't!!! I must have been a murdering rapist terrorist in my past life and I'm paying for it now

 

When I was 16 u held a cbt and drove a scooter (fully legal) for 12 months. At 17 I went up to a 125cc (fully legal) until the 10th march 2008 when my cbt and insurance ran out. My driving test was the 12th march 2 days later. I drove my scooter uninsured ended uo going through the rear window of a golf. (My fault and daft and naive and I was an idiot. That accident has cost me close to £16000 yes thats £16000!! I was only 17 for gods sake. Today I paid my last payment after getting sued for injuries to the driver ( I was doing 25 mph on a 125cc scooter) the only one who got injured was me. 40 stitches to my neck and throat.

 

The point im making is. You drive uninsured and you get hammered. You get insured and it still costs a fortune but you get called a lier and it still costs a fortune. Insurance companies or politicians.... I'm not sure which one ****s me off more!

 

Sorry for the rant but what a shite year I'm having. Father having 2 strokes. Lost my job (im self employed now) getting sued, car gets crashed into at the single worst time of the year., underpaid from work just before xmas.

 

The life of Adam Craig :lol:

Before

 

 

After

 

 

Thanks mate, do you have any normal light pictures before? I guess the after pictures are straight on rather than at an angle as the before picture is.

 

Also how much did you have it for sale for?

Edited January 11, 201411 yr by bird

Saw your car at lees the other day :thumbup: tidy!

 

Yep it wont be long now, seems everyone's seen it but me now. Cant wait to get it back, lee has been sending me teezer pics of bits of the car, rascal that he is.

On another note i have a couple of gas/elec customers for you

I'm with admiral. I must admit they are good at getting money off other people, but even better at saving their own money. When I got rear ended they arranged a bodyshop of my own choice and a similar but better courtesy car. ( celica gt instead of my tsport) but obviously the person who hit me was with a different company. Use of a courtesy car is an added extra on your policy. Incidentally, they also charge for windscreen repairs. They know how to claw their money back.

 

Me too - and I was when I got rear ended back in 2008. Admiral was very good then and had no problems with me having the car repaired at an MB main dealers (at the cost of £10k+); and they delivered a brand new Merc E320cdi to my house as a courtesy car.... Which I had for about 2 months in the end - fook knows how much that cost!!

 

I think a lot of companies now impose an excess on windscreen repairs now; they certainly all seemed to when I was renewing back in September!!

 

Good luck with the Ombudsman mate; I hope you get it sorted to your satisfaction.

 

Richard:clover:

good luck getting it sorted adam remember viewing this car the day you picked it up its a nice tidy zed

What I have found with insurance companies is they are fantastic when it's someone elses fault as this is where they make more money. If they have to pay out, they treat you like crap!!

I think a lot of companies now impose an excess on windscreen repairs now; they certainly all seemed to when I was renewing back in September!!

 

Correct. My company now charge £10 on most products we offer.

 

One of the main principles of insurance is 'indemnity' which in short is putting you back in the position you were in prior to the incident (minus the excess - obviously you can often claim this back in non fault cases). So as an example, if it would cost £1k to fix a car but your excess was £400, then the insurer would only be liable for £600. If the car is written off, then you should really be able to buy another car of similar value to that which your car was worth. Obviously what a car is worth differs depending on its age and how good it was per-accident. The problem you're having is that your company doesn't feel it was in great shape prior to the incident.

Sorry to hear the hell your going through, everything will get better soon, and all the best to your dad, regarding the insurance kunts, Financial Ombudsman is the people you want to talk to. If your insurace have sent you a final letter, you should write a formal complaint to the company send it signed for . they the insurance company here on forward referred to as 'kunts' will have 8 weeks to look into it and make a decision. If at any point the 'kunts' do not make decision or extend the 8 weeks time in writing or make a decision that you are not happy with you should and still can contact the financial ombusdsman http://www.financial-ombudsman.org.uk/ 0300 123 9 123

 

contact them tell them the problem and they will investigate. you can drop it to kunts and mention or threaten to go to the financial ombudsman and sometimes it does get sorted. Im going through some shit with my previous insurance and instead of waiting and making a formal complaint first, i contacted the ombusdman and had them write up a formal complaint on my behalf. keep all your letters youve received from the kunts and take down the names time and date of the each kunt you talk to. Hopefully youll get results

 

 

 

just read the last few post ;) your on the right track, hope it gets sorted.

The 'formal complaint' the FOS will write to the company isn't a great massive thing. In short we would get a FOS Notification which gives a very brief outline and it says if you need more info to contact the customer. Just goin to the FOS doesn't mean the company will change their decision either. An FOS notification to us is just the same as a letter from a customer

Just to let you know guys they're not writing off my car, sorry if I made it sound like that, they're saying the only damage caused by the accident is the damage to the bumper. Not the reverse panel or the panel between the bumper and the lights. This is where the dispute it at.

Saw your car at lees the other day :thumbup: tidy!

 

Yep it wont be long now, seems everyone's seen it but me now. Cant wait to get it back, lee has been sending me teezer pics of bits of the car, rascal that he is.

On another note i have a couple of gas/elec customers for you

 

:lol: he's worked some kind of magic on it that's for sure mate, you'll be more than happy I'm sure.

 

With regards to the gas and electric that's brilliant. Thanks very much feel free to send them my contact info and I'll be happy to help.

Sorry to hear the hell your going through, everything will get better soon, and all the best to your dad, regarding the insurance kunts, Financial Ombudsman is the people you want to talk to. If your insurace have sent you a final letter, you should write a formal complaint to the company send it signed for . they the insurance company here on forward referred to as 'kunts' will have 8 weeks to look into it and make a decision. If at any point the 'kunts' do not make decision or extend the 8 weeks time in writing or make a decision that you are not happy with you should and still can contact the financial ombusdsman http://www.financial-ombudsman.org.uk/ 0300 123 9 123

 

contact them tell them the problem and they will investigate. you can drop it to kunts and mention or threaten to go to the financial ombudsman and sometimes it does get sorted. Im going through some shit with my previous insurance and instead of waiting and making a formal complaint first, i contacted the ombusdman and had them write up a formal complaint on my behalf. keep all your letters youve received from the kunts and take down the names time and date of the each kunt you talk to. Hopefully youll get results

 

 

 

just read the last few post ;) your on the right track, hope it gets sorted.

 

 

That post put a smile on my face :lol: I've done everything you've said and have all that information written down. Cheers for the kind thought to my old man, he's living a nice relaxing lifestyle now. I think it shat him up a bit.

 

Thanks for everyone's input it doesn't really mean a lot you are all top guys and gals :thumbup:

Thanks mate, do you have any normal light pictures before? I guess the after pictures are straight on rather than at an angle as the before picture is.

 

Also how much did you have it for sale for?

 

Getting some pics for you now. I had it up on here to member for £1500 but it would have been on eBay and and gumtree on a swap and cash my way for a full cash sum of £2000 Ono to the general public

 

 

Excuse the mrs in the background lol

Did she fart like? Car looks nice. I guess the insurers would potentially be asking how the bump would cause the rust. What was it that hit you?

There is no rust, my rear foam spoiler has started to rot and the rain caused some manly water to run down and settle on the bent part of the panel. The zed was parked outside my house and wa hit by a Saab 93 maybe?? Fairly new car 56 plate iirc

So the car was parked, the third party drove into it due to their own poor driving skills.

You have photo's of the car just prior to the damage the third party caused, showing their was no damage prior to the accident and these have date and time stamp?

You have photo's of the damage the third party has done.

The insurance company is trying to get out of paying out for your damage as they are the same for both the claimant and third party.

It sounds to me like they are not taking care their customer (yourself), instead they are attempting to get out of their obligation to put you back to the same position you were before the accident.

You are not asking to be put in a better position as the damage was not there prior to the accident and can be proven by your photographs......

Is the £400 after they have taken off the excess amount or before?

What Excess do you have?

What is the total cost of repair?

As you can claim the Excess back through legal cover from the third party.....

 

You could always put in a letter to the insurance company with these questions / points..... This is the sort of thing I would send...... probably wrong..... but thats me.....lol

 

1) Are A.......l looking after my interests as they agreed to when I took out my policy, had the third party that drove into my 'Parked Car' Not also been one of your clients?

2) Is this an attempt for A......l to avoid their financial obligation to put me back to the same financial position I was prior to your other client managing to hit my Parked car because both parties have policies with you?

3) Is there a reason why the clear photographs taken just prior to your client driving into my car are being disputed as evidence of my vehicles condition prior to the accident?

4) As my photographs clearly show there was NO damage to my vehicle prior to the accident. I require A.........l to provide evidence using these photographs of the damage you are relying on to dispute my claim.

5) I require copies of all evidence that you are relying on to make your decision in this claim, that my vehicle was damaged prior to the accident?

 

As Bird said, get the final decision letter and just explain the situation to the ombudsman as simply as possible with before and after photo's.....

Keep it as simple and to the point as possible......

 

Hope it all gets sorted out soon.........

Russ

Edited January 12, 201411 yr by veilside01702

OK, so you and the third party are insured with Admiral - so either way Admiral is going to have to pay.

 

I'd still consider the option of the legal expenses cover you have with your own policy; why not just instruct the legal department to issue court proceedings against the third party's insurers? They will not, effectively, want to sue themselves; but you still have the right to instigate proceedings against the third party, as it was not your fault! They will have to follow your instructions - and that might make them change their mind!

 

In addition to my incident back in 2008, Julia had someone drive into the back of her Rav in 2011. She was insured with Admiral - and in that instance so was the third party. Admiral was pretty good then as well. They collected the car from our house and dropped off a loan vehicle (almost like for like - they just could not source a 4x4 at short notice near the New Year holidays); had it repaired and then returned it a few days later. Job was well done and her premium did not rise the following year......

 

Keep at it mate; there is hope and as a reputable company, I am surprised Admiral is risking damage to their reputation!

 

Richard:clover:

The legal company wont be able to claim against themselves. There's usually some form of exclusion in wordings for that kind of thing.

 

Also they wouldn't need to be used for the excess whets the same company, but as he was parked up and the insurer has offered a settlement, I would believe that the liability is not in dispute on this case and as such I doubt that acraig has to actually pay the excess on this occasion.

The legal company wont be able to claim against themselves. There's usually some form of exclusion in wordings for that kind of thing.

 

Also they wouldn't need to be used for the excess whets the same company, but as he was parked up and the insurer has offered a settlement, I would believe that the liability is not in dispute on this case and as such I doubt that acraig has to actually pay the excess on this occasion.

 

Agreed - but can the claim not be made against the third party, instead of the insurers? And it does not matter that liability is not in dispute, the claim is to recover the full repair costs. The third party can therefore only challenge the extent of repair costs, and not liability itself - since they have already accepted it was their fault.

I wouldn't have thought you could go after the third party since they are actually insured - I could be wrong but I would very much doubt it and doubt the legal department will help at all in this case.

 

Technically te insurer could still claim the excess is payable but as they insure both parties I wouldn't have thought they'd take it just to claim it back. Besides that the third party will often just pay the excess without the need for any legal involvement. In this case, I doubt asmiral would have taken the excess. I'm sure acraig will confirm whether they have or not soon enough

Im sure you can claim against third party as its bloody happened to me (is that the same as a third party claim against me?) bird? Gets frustrating because insurers say different things. I was told by my insurers that a claim goes against the car regardless of driver and if fault. If its the other persons fault they are clearly liable to pay. are you claiming against your own insurance?

 

I tell you what though ive been getting calls from my insurance company to pay the excess and they, well he was quite arrogant. He basically call me regularly and told me in the short words of slang '**** you pay up' and said they wouldn't talk to anyone or any company and they just want paying, they said i had to chase and run about to fix the problem. which was their mistake to start off with. Ever since I made the complaint lo and behold i get a letter saying they are sorry etc and are looking into and no more phone calls. Atleast with having a complaint put forward by the ombudys the insurance company will know they cant just willy nilly slack me off with bullshit techy terms that dont necessary mean anything. I pay for insurance just in case shit happens that doesnt and when it does they dont wanna do their job!! should be called just in case not insurance lol

So just to be a bit clearer as I think things are getting a little confused.

 

First, all insurers are different, they'll work differently and have different term and conditions etc.

 

Following a claim you may need to pay your excess - potentially regardless of fault as until the insurers decide who is liable then it would be in dispute and both insured parties would usually need to give there count of events to their own insurer (as naturally no one will just pay out on the basis of one persons word).

 

In the meantime, providing that you paid your excess your company may then fix your car and the excess can later be claimed back off the other insurer (assuming they've admitted to their customers liability). You 'may' need to have the legal cover at this point as the excess would be an uninsured loss.

 

If a party is uninsured or not showing up on the MID then the individual would likely get a letter through the door directly. Another example where a customer might need to pay for the losses themselves would be where the insurer already fixed the car and then the policy is declared void due to a non disclosure of material facts or if the customer mis-represented the risk etc. in that case the insurance company might try to claim back their losses. An insurer can also end up paying out a 3rd party claim under the Road Traffic Act as a last known insurer.

 

I guess what im trying to say is that It's really hard to know what is right and wrong as each individual case is different and would need to be reviewed on their own merits.

 

Princeking - I'm a bit confused exactly what you're asking above mate (sorry)

Princeking - I'm a bit confused exactly what you're asking above mate (sorry)

 

note relating to the thread and dont mean to hijack it but

 

basically wifey got into an accident in my car (her fault) (april last year) and i told my insurance company that the claims coming though would go to her own insurance and they agreed and i gave the details. i then spoke to her insurance company and said the same and they agreed. end of novermber 2013 i got a letter saying i had 14 days to pay the 3000 pound excess!. I didnt get no follow up phone calls or letters or anything about the pay outs etc. i said how do they know if it was a legitimate claim or a fraud, i mean if anyone and everyone makes a claim against my car are you going to just pay them? he replied, we dont need your consent! otherwise the polciy holders deny it and it take longer, so my insurance company said they've paid out (each time they rang me the amount went up) i havent made a claim to get my car fixed nor did i want it to go on my name/policy, but it didnt matter what i said all i was told was that i have to pay the excess fault or not and that i would have to deal with recovering the 25k payout from wifeys insurance and once they have been reimbusred the full amount my insurance will refund me the excess. when i disputed the excess he said i had to pay because a third party claim was made against my car and they paid out. on the same note my wifes insurance company still has an open/pending case. thats pretty much the problem im having, :) not to mention the 600 pound debt collection the same puta maricones sent me!!

 

so

Again without knowing the policy wording and all that kind of thin i can never be sure and theres also 2 views (yours and the insurers) but from what yours saying, something seems to be a miss there. Usually people over 25 can drive another persons car with the owners permission. For example, I could drive your car if you let me but I would only be covered third party only (NOTE - not all policies cover this). Quite often there is an exclusion for vehicle owned or leased to you or your spouse/partner. I don't know whether all companies have this kind of exclusion but mine certainly does. Given you're saying your wife can claim under her policy, I can only assume that the exclusion isn't on her insurances policy.

 

It sounds to me like you're allowing your wife's company to sort out the claim but in the meantime that your own company have been contacted (probably by the other parties insurer) claiming that the incident has happened and your insurer has said ok given the circumstances they're aware of they'll pay out - usually an insurer can make the decision as to whether or not to pay out but if they've not spoken to you or written to you I don't understand how they could possibly say whether or not an incident has happened. Out of interest, did your wife hit the other party in the rear? If so then it might give a little bit of an explanation as to why they've proceeded to pay the claim.

 

Out of interest, why on earth have you got a £3000 excess? Have you checked your documents to see if that's right?

 

Also is your wife a named driver on your car?